What You Need to Know About 30 year Term for Ages 46 – 50

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For anyone who is in the 46 – 50 years of age bracket and looking for an affordable 30 year term life insurance policy, we have just what you need.

If you’re in this age group then this is the perfect life insurance plan to cover you into your latter years.

For your age group, this an ideal time to buy a 30 year term policy because it’s a very inexpensive investment and will give you peace of mind while protecting your family.

30 Year Term Life Insurance Sample Quotes for Anyone 46 – 50 Years Old

Since I’m an independent agent, I am in the unique position to access numerous life insurance companies. So, I did some checking and found some great bargains for a 30 year term $100,000 life insurance policy. The quotes below are for anyone who is not a smoker and in good health.

$100,000 Term Life Insurance Quotes for Ages 31 – 35

Age                                                30 Year Term
Monthly                                 Annual
46 Year Old Man                    $26.86                                $307.00
47 Year Old Man                    $29.05                                $332.00
48 Year Old Man                    $31.59                                $361.00
49 Year Old Man                    $34.39                                $393.00
50 Year Old Man                    $37.63                                $430.00

(Disclaimer – These rates are effective as of February 1, 2013)

Reasons to Buy a 30 Year Term Life Policy

If you are aged 46 – 50 years old then a 30 year term life insurance policy is the best way to go if you’re looking to provide ongoing financial protection for your loved ones well into your future.

Were you to buy a shorter term policy and intended to renew it, the premiums would be substantially higher. So, now is the perfect time to get a 30 year term policy.

You can now rest easy because you know that whatever happens, your family will be looked after. Your debts can be cleared up, the mortgage paid off, and medical bills and your funeral and death benefits will be taken care of and paid.

Or, you might be thinking that you want have some funds on hand for the kid’s education, or leave them a financial legacy to give them a good start in life.

You’re also getting close to retirement and probably still want to make sure you have some income replacement should anything happen.

And, if you happen to be working for yourself and have your own business, or a partnership, this is also the ideal solution so your business debts are covered.

Have Health Problems?

It may also be a situation where your health has slipped a bit. This is the age range when many people get diagnosed with heart disease, diabetes, and even cancer. So even if you’re still healthy, it’s wise to plan for the worst case scenario now rather than later should your health deteriorate.

And, if you do have health problems and are worried you may not qualify for a 30 year term, then don’t give up. I specialize in helping people who have health problems and can help you find an affordable policy that could be tailor made for someone in your situation. Give me a call and we can discuss your health issues.

Whatever you’re reasons, a 30 year term is the way to go.

However, and as you can see from the sample quotes I provided, it does get more expensive each year with the passing of time, so don’t procrastinate and get it now before you have another birthday.

Features of a 30 Year Term Life Insurance Policy

The best reason to consider a 30 year term policy is because it’s so very affordable to buy.  Term life insurance is the cheapest life insurance policy that’s available, so if you’re on a budget, this is definitely the best way to go.

The reason why a 30 year term life insurance policy is so economical is because it pays out death benefits only. All you have to do is figure the reasons why you want a policy so you can determine how much you need.

The life insurance proceeds go directly to the beneficiary(s) you name on the policy and gets paid to them as a lump sum.  That way they get the money right away and can use it for whatever purpose they need.

The other good news is that life insurance is also tax deferred so no taxes have to be paid, so long as you don’t name your estate as beneficiary.

Where to Find an Affordable 30 year Term Life Insurance Policy

You always want to talk to an independent agent like myself.  We can access and research dozens of companies so you are assured we will find the best policy at the most affordable rates.  If you have health concerns, don’t let that dissuade you because we can give you valuable advice and help you to find a policy that suits you.

Whatever your needs or questions then please call me direct at 877 – 966 – 9383.