This term life insurance age 45 – 49 review will show you the best prices for people in their middle to late Forties. It’s difficult to find the best deal for term life insurance by searching for the lowest rates on the Internet. You may not qualify for the best rates you see on the Web, or the low rates advertised by some agents or life insurance companies. For example, $250,000 of term life insurance for as little as $22 a month, may cost a whole lot more money for you, when your application is approved by the life insurance company. You could be in very good health with no medical problems, and still not qualify for a life insurance company’s lowest rates. You can’t shop based on price until you know the best price for which you qualify, with each term life insurance company.
Many agents and companies you contact may brag about their competitive term life insurance rates, but some insurance companies charge much more than other insurance companies for the same term life insurance coverage. A $ 300,000 20 year term life insurance policy for a 46 old female non-smoker at standard rates costs $608 a year with Ohio National Life Assurance Corporation, $663 with Cincinnati Life Insurance Company, $680.52 with TIAA-CREF Life Insurance Company, and $816 with Guardian Life Insurance Company of America. Change one variable, like the amount of coverage, length of the term, the health class, age, sex, etc., & the life insurance companies with the most competitive rates will change. This blog article reviews the best term life insurance rates for men & women age 45 to 49, for smokers and non-smokers, so you know if you are quoted a competitive price, when you are shopping for term life insurance.
As I stated above, finding the lowest priced term life insurance rates online doesn’t mean you’ll get that lowest price. Your goal should be to get the best price for which you qualify, based on your health and health history. When you shop, speaking with experienced, honest agents will help you determine the health rating class you’ll qualify for with each company the agents represent. However, once you have received term life insurance quotes from several agents, you can use the rate information in this review, to see which agents quoting you represent companies with competitive rates for your situation. Without referring to this review of term life insurance rates, the lowest rate you are quoted may still be a lot more than it should be. Using the pricing information in this review will tell you if you need to keep shopping to find an agent representing a company with the best term life insurance rates for you.
Term Life Insurance Age 45 – 49 Review: How to use the pricing information in this review
One of the major factors determining term life insurance rates is the health rating class for which you qualify. Most term life insurance companies have four rating classes for healthy non-smokers. In order from best to worst, they are usually called preferred plus, preferred, standard plus, & standard. Smokers may qualify for standard or preferred tobacco user rate classes.
Each life insurance company has its own rules for qualifying for its health rating categories. You may qualify for preferred plus rates with one company, but only preferred rates with another company. Each company also has its own rates, so one company’s standard plus rates may be higher than another company’s standard rates. Don’t worry about trying to figure out which health rating class you qualify for with each company. By consulting experienced life insurance agents, and answering their questions about your health and family medical history, they can tell you the rates and health class for which you are likely to qualify. By using the expertise & market knowledge of a number of agents, you can consider the information each agent gives you, and discuss what you are told with other agents, to make sure you are getting accurate information.
For example, several agents, after asking you health questions, explain why they are quoting you standard rates. Yet, one agent you had contacted asked fewer health questions, and quoted you preferred rates at a much lower price. You should be suspicious about qualifying for the lower preferred rates, and discuss it with the other agents quoting you. Comparing the information you are given by each agent with other agents will help you separate the good agents from the bad agents.
However, getting competing quotes from several life insurance agents is not a guarantee any of the agents you contact represent a company with competitive rates for your situation & needs. This review will give you the pricing information for the lowest term life insurance standard rates, so you can compare it with the term life insurance rates agents quote you. If all of the term life insurance quotes you recieve cost more than the standard rates I show you in this review, you know you should keep shopping to find a better option, unless your health situation disqualifies you from qualifying for at least standard rates with most companies.
Term life insurance quotes about the same rate or less than the prices in this review are competitive. The better health rate class for which you qualify, such as standard plus, preferred, or preferred plus, the lower your quote should be below the best standard rates shown in this review. For example, the best standard rate for a $250,000 twenty year term life insurance policy for a male 45 year-old non-smoker is $615 a year with Banner Life Insurance Company, but the price is lower, at $395 a year, with Savings Bank Life Insurance Company of Massachusetts, if you qualify for preferred rates with that company. However, if all the insurance companies are quoting you standard rates higher than the $615 rate I show in this review, you’ll know you should keep shopping.
Here’s the pricing information, current as of the publishing date of this review, for 1. Male Non-smokers, 2. Male Smokers, 3. Female Non-smokers, & 4. Female Smokers:
1. Male Non-smoker, Age 45 to 49
2. Male Smoker, Age 45 to 49
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3. Female Non-smoker, Age 45 to 49
4. Female Smoker, Age 45 to 49
Thanks for reading this term life insurance rates review for people 45 to 49 years old. As with auto & home insurance, you’ll see some term life insurance companies charge more than double the price of other companies for the same term life insurance coverage. No single life insurance company has the best term rates for everyone.
What do you think about this term life insurance rates review for people in their middle to late forties? Comment on my facebook page. If you have questions and would like my help, you can reach me at help@smartshopyourcarinsurance.com. Follow me on Twitter for important insurance consumer news & new blog entries at CarInsWatch.