When looking for the top life insurance rates by age it pays to have choices. We provide our clients with choices from the best insurance companies, including no medical exam life insurance. We can help you find the right company for you, based on your unique health and lifestyle. Call today!
Life Insurance at Age 46
If you are 46 years old and you do not have life insurance yet or your thinking about getting additional coverage, then this article is meant for you. Life insurance at age 46 can be really inexpensive if you know where to look. So before you make any decisions, be sure to consider the following.
4 tips to get the best Life Insurance for a 46 year old
#1. If you don’t know, don’t test!
If you haven’t visited you primary care physician in the past 12 months, and you’re not currently taking any prescription medications, don’t run the risk of having an insurance company diagnose you with one of the many aliments commonly used to raise insurance rates on those in their 40’s.
Ailments such as:
- high blood pressure,
- high cholesterol,
- or elevated blood sugar, (see diabetic life insurance).
You should know that insurance companies do share information about applicants with one another so that once an insurance company performs a medical exam on you, that information will be recorded and stored for other insurance companies to review.
For this reason, if you’re not sure that the medical exam is going to come back perfect, don’t take one. Go with an alternative policy that offers coverage with a non medical option first.
TermLife2Go specializes in placing both medical and non medical term life insurance policies and have found that many of the non medical options are currently as competitive if not more competitive than those requiring full medical exams.
#2. Get it now!
An applicant’s age will most likely be the number one determining factor in the premium that you pay. So today really is the cheapest your insurance is going to be for you. So don’t delay!
*** Now there may be a few situations where postponing coverage may make sense, such as:
- You are currently trying to stop smoking and need to wait a year to get non-tobacco rates.
- You need to wait a year to clear up a DMV issue.
- You have a pre-existing medical condition that may require a waiting period before a life insurance company will underwrite you.
But for most 46 year olds looking to buy affordable life insurance, waiting only means one thing: your life insurance policy is going to cost more when you finally decide to take the step and apply.
Sample life insurance age 46 quotes for a male at a preferred plus rate class
Sample life insurance age 46 quotes for a female at a preferred plus rate class
#3. Not all Insurance Carriers are the same!
Each insurance company has its own rules and guidelines that it follows when underwriting an application. Some companies have very strict guidelines when it comes to certain conditions while carriers may not even test for it, so it’s really important to know which carrier to use and why!
Now the good news is that the life insurance industry is just like every other industry out there competition is always pushing insurance companies to fight for your business. As a result, different life insurance carriers take on certain “niches” in an attempt to gain market share. These niches may shift from time to time but generally life insurance companies become known within the industry to zero in on certain groups.
Which brings us to our next point…variety is the key to saving money!
#4. Find someone that is working for you, not the insurance company.
With so many options to choose from, it’s key for you as a consumer to work with an agency that is not bound to any one specific carrier. The agency that you choose should be able to shop your application to dozens of different life insurance carriers forcing them to compete for your business.
Only by choosing to work with an agency that represents multiple life insurance carriers can you ensure that you are getting the best policy to protect you and your family. After all…
Doesn’t it make sense to work with an agency whose sole focus is you?
Totally confused?…. Don’t be, this is where TermLife2Go steps in, as an independent agency our agents are committed only to you and your family. Our main goal is to help guide you through the process of:
- First, deciding between the different types of life insurance, whether it be Term Life Insurance versus Whole Life Insurance
- Second, determining the appropriate coverage amount.
- And third, determining which carrier will give you the best rate available.
By working directly with TermLife2Go you will have an assigned agent dedicated to your application. This agent will be available to you throughout the entire application process; he or she will provide you with status updates as your application goes through underwriting and will also review your application at time of approval to ensure that you are still getting the best deal out there!
So what are you waiting for? Just give us a call to see just what we can do for you!