Best Life Insurance for Healthy 30 year olds

What is the best life insurance for a healthy thirty year old?

It depends on the reason you need life insurance - what is your goal you want your life insurance to accomplish?

Then, consider how long you will need your life insurance to last to accomplish that goal.

If you need life insurance to last for more than 30 years, then whole life insurance can help.

If you need life insurance to last for a duration of thirty years or less, then term life insurance is by far the most affordable protection you can find.

Here's how to learn more about finding the best life insurance for healthy 30 year olds.

Whole Life Insurance for 75 Year Old

Can a seventy-five year old get whole life insurance?

Yes, there are guaranteed issue permanent life insurance policies available for people ages 45 up to 85.

With guaranteed coverage you cannot be denied a policy if you meet the age requirements.

That means, even if you have health issues or have been turned down before, you can still get insured.

Whole life provides lifetime protection and builds cash value inside your life insurance policy.

With guaranteed plans there is no health examination and no medical questions asked.

Here's how to get whole life insurance for a 75 year old.

Term Insurance with Modified Premium

What is modified term insurance and how does it work?

Modified term insurance is temporary life insurance that comes with premiums that change over time.

Term life may provide coverage lasting for a period of up to 30 years, with options of 10, 15, 20, 25 or 30 years.

Modified term has premiums that change on a regular interval, usually every five or ten years.

The change in premium may increase or decrease each interval.

So, you may buy a term life policy with modified premiums that increase every five years, which enables you to buy more life insurance than you may be able to afford with another type of term life plan, because your modified premiums are lower the first five years you are insured.

Learn more about term insurance with modified premiums.

Term Life Insurance You Can Buy Online

Is there term life insurance I can purchase online?

Yes, in fact, more and more people are choosing to buy their life insurance policies over the internet each day.

With the ease and speed of the internet, life insurers are now making same day life insurance plans available online.

That means now you can apply online (safe and secure) for life insurance, and begin your insurance the same day - if you qualify.

These quick issue life insurance plans are available through several insurers online.

However, one highly-rated insurance company now offers up to $1,000,000 (or more) of affordable term life protection which you can start today if you qualify.

Here's how to get life insurance you can buy online.

Top Senior Life Insurance Companies

If you're a senior shopping for life insurance you may be wondering which insurer is the best for elderly people.

There really is no one single insurer that is best for all seniors.

It depends on you - your age, health, and the type of life insurance you need, as well as, the amount of coverage you want to buy.

Some insurers are better at providing affordable senior life insurance plans for people with certain health issues like diabetes or high cholesterol, while others are more competitive for those in excellent or good health.

In addition, there are insurers that offer guaranteed issue policies for seniors with chronic health problems that makes getting insured very difficult through other insurance companies that don't offer guaranteed plans.

Compare the best senior life insurance companies in the USA.

Death Insurance for Funeral Expenses

Can I get death insurance to cover my funeral expenses?

Yes, there are life insurance plans (death insurance) that can provide the money needed for your loved ones to pay for your burial and funeral expenses.

Usually, these are whole life insurance policies with "guaranteed approval" for people who meet the age requirements.

Since they offer guaranteed approval, there is no physical exam needed, and no questions asked about your health.

The average cost of a funeral and burial today is around $8,700 - and funeral death insurance usually offers up to $20,000 of coverage.

Some life insurance carriers offer guaranteed acceptance for anyone ages 45 to 85.

Here's how to get death insurance for your funeral expenses.

Agoraphobia Life Insurance

Can someone living with agoraphobia get life insurance?

It may depend on your age and health; as well as, the insurance company you apply to for life insurance.

Some insurance carriers may insure people with mental health illnesses, including bipolar, panic disorder and agoraphobia, while others may not.

In addition, there are some guaranteed approval life insurance plans available for anyone who meets the age requirements for approval - for example, ages 45 to 85.

Learn more about how to get life insurance for agoraphobics.

Wheelchair Bound Life Insurance

Yes, there are some life insurance plans that may be available to people who are in a wheelchair.

However, several factors may impact your ability to get insured for life insurance.

Your age, health and management of your health issues will affect your ability to get insured.

In addition, there guaranteed life insurance policies available for anyone who meets the age requirements for acceptance.

For example, one insurer offers guaranteed life insurance for people ages 45 to 85.

Here's how to get life insurance for someone in a wheelchair.

Life Insurance for Someone with Poor Health

There are life insurance plans available for people with health problems.

These plans are usually called "Guaranteed Acceptance" life insurance policies.

They offer life insurance with guaranteed acceptance for anyone who meets the age requirements for approval.

For example, one leading insurer offers guaranteed life insurance for people ages 45 to 85.

With guaranteed coverage there's no health exam needed, and no health questions to answer.

However, the amount of coverage available may be limited to around $25,000 of life insurance depending on the insurance carrier.

Here's how to get life insurance for someone in poor health.

Maximum Amount of Non Medical Life Insurance?

What is the maximum amount of life insurance I can get without taking a medical exam?

That depends on your age and your health.

In addition, the insurance company limit of non med life insurance will vary by insurance carrier.

Some life insurers may offer up to $50,000 of non med coverage, while one highly-rated insurer offers up to $3,000,000 of life insurance with no medical exam for healthy individuals.

And, you may purchase a life insurance policy from more than one insurance company.

Learn more about the maximum amount of life insurance with no medical exam.