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Best Life Insurance Rates by Age

Best Life Insurance Rates by Age

Life insurance rates by age available for the following:
10 Year Term Life Insurance Rates
15 Year Term Life Insurance Rates
20 Year Term Life Insurance Rates
25 Year Term Life Insurance Rates
30 Year Term Life Insurance Rates
No Exam Life Insurance Rates
Universal Life to 100 Life Insurance Rates
Universal Life to 121 Life Insurance Rates
Whole Life Insurance Rates

 

At TermLife2Go, our mission is to help you navigate all things life insurance, saving you time and money. We want to empower you through knowledge and expertise so you can find the best life insurance policy and premium rates. Rest easy knowing that we go about this differently than most agencies. Our focus is on the various niches within the marketplace and identifying the right life insurance policy for each person’s unique needs and situation. We don’t believe in one-size-fits all, and we’ll go out of our way to prove it with our friendly help.

Because we understand the various life insurance niches of each company and their life insurance policies, we can align our clients with the best life insurance companies available, We’re always looking across the life insurance industry for best possible fit, rather than just looking at the different policies available from one company or insurer.

To make things as easy as possible, we have broken down the following universal and term life insurance quotes by age. Notice how premium rates increase dramatically from age 40 to age 50. Life insurance for seniors will typically require a higher premium. That is why there is no better day than today to save on the cost of life insurance.

Life Insurance Rates by Age

Ages $250,000 $250,000
30 $9.62 $14.18
40 $11.71 $18.20
50 $27.67 $41.76
60 $60.13 $112.83


*All quotes are based on a preferred plus male as of January 31, 2017.

If you’re looking for the lowest life insurance rates available and you’re in good health overall, a physical exam will often be required. But keep in mind that many companies offer accelerated underwriting life insurance, which makes this process run more quickly and smoothly. In many cases you can even avoid a medical exam, but you’ll be asked to supply answers to medical questions in order to receive quotes for life insurance premiums.

Finally, knowledge is power, so before you take your exam, consider reading our life insurance medical exam tips and exploring what life insurance medical exams test for. These articles provide guidance, so you can get the best life insurance quotes possible. We’re here to help you in every way possible, so that you can get the coverage, policy, life insurance, and premiums that you can feel good about.

COMPARE No Medical Exam vs Fully Underwritten Life Insurance Quotes

If you’re considering no exam versus taking an exam, you can get up to a million dollar life insurance policy with no medical exam. Find out more in our article about the best no medical exam life insurance companies. A no medical exam life insurance policy can be especially beneficial and easy if you don’t have time, energy, or money to get a medical exam. Sometimes you can receive a life insurance quote in as little as 24 hours from when you apply!

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When Should I Get Life Insurance?

Life insurance is sometimes put off until later in life. After all, according to a 2015 LIMRA study, 54 percent of Americans say it is unlikely they will purchase life insurance in the next 12 months. But the sooner you obtain life insurance, the more likely you’ll be able to find a cheaper life insurance rate, but it’s never a bad time to buy life insurance.

The idea of “when should someone buy life insurance” will often dictate which insurance company is going to be the best fit. For example, are you looking to protect a 30-year mortgage, a new born child, or just protect lost wages until retirement? You have to know what your deciding factor is that is motivating you to even consider that it is time to purchase a life insurance policy.

We’ll often be asked, “when should I buy life insurance?”,  to which we’ll respond,

“Yesterday, since every day you get older you run the risk of dying without coverage, or paying too much, because the age you are when deciding to get life insurance is the number #1 determinate on how much you’ll pay for life insurance.”

About Term Life Insurance

Term life insurance is one of the most common types of life insurance. Ask the person sitting in the cubicle next to you, your neighbor, your grandma, your third cousin on your mother’s side of the family, or your pastor, and virtually everyone will tell you that if you are considering life insurance, a term life insurance policy is definitely the way to go.

While that is not always the case, we find that term insurance serves a primary purpose: providing a large death benefit (money paid to the beneficiary after the policyholder’s decease), at a low premium cost, to provide financial help to loved ones and peace of mind to you (side note: for additional benefits to loved ones, read up on final expenses and burial insurance). It’s a straightforward insurance policy that covers the policyholder for a certain number of years.

Level term life insurance provides protection for the length of the term. Upon expiration of the term, the policy can typically be renewed annually, but with increasing premiums or decreasing death benefit. You can also convert the policy to permanent coverage before expiration.

Benefits of Term Life

Probably the most important benefit is the cost of term life insurance vs whole life insurance. Because term ends at a specific date instead of lasting your whole life, the premium rates are lower, making term more accessible for millions of Americans.

Being able to access term life insurance is obviously a huge benefit, and we often recommend term life to our clients. However, you should always consider the instances when whole life insurance is better than term life. (Whole life can last your entire life rather than a stipulated period of time and it can build cash value. It can be more expensive and sometimes harder to obtain. But it depends on your unique situation. It’s all about context.)

Another benefit of term besides price is its flexibility. You can tailor the policy to a specific need, such as the age of your youngest child, or the length of your mortgage.

And term life insurance comes with living benefit riders that make it very appealing, especially for those who are young and need a ton of coverage, without the hefty price tag of whole life insurance.

And if you are young and healthy, don’t forget about income protection insurance which can help you if you become disabled and cannot return to work for a long period of time.

If you’re looking for life insurance for seniors, read up on the benefits of term life insurance for seniors. We have special tips just for you.

Term Life Insurance Riders

Adding life insurance riders to your insurance policy can provide additional protection.

Income Provider Option: If you want even cheaper life insurance premium rates, you can opt for adding the income provider option to your term life insurance policy. Rather than the life insurance company pay the normal lump sum death benefit, with the IPO you choose how much and for how long your beneficiary receives monthly or annual payments.

Accelerated Death Benefit or Terminal Illness Rider: Gives you access to a portion of your death benefit while you are still living if you are diagnosed terminally ill. Typically included at no additional cost.

Conversion Option: convertible term life insurance allows you to convert all or a portion of your term policy to a permanent insurance policy, without proof of insurability (no medical exam or health questions). Typically included at no additional cost.

Chronic Illness: the owner is eligible for a portion of the death benefit if you are unable to perform two of the six ADLs (activities for daily living) without help from another person or be mentally impaired.

Child Term Rider: For one low price you can get life insurance coverage for children under age 18. Typically, the maximum amount of coverage is $25,000. You pay the same price if you have one child or ten. And the insurance policy can usually be converted to permanent coverage down the road.

Waiver of Premium: this rider provides premium payment relief if the insured becomes disabled.

Compare Term Life Insurance Rates

Each life insurance rate chart below is based on how much the life insurance policy costs per month, sorted by term length. For a more personalized term life insurance quote, you can compare life insurance quotes by using our quote forms above or simply give us a call for the most accurate premium rate quote. We’d be more than happy to help you find the right life insurance for your needs.

We think you’ll be pleasantly surprised at how affordable life insurance is, since a recent study noted that 80 percent of consumers are misinformed about how much term life insurance premiums cost. In fact, Millennials overestimated the cost by 213%, and Gen Xers overestimated the price by 119%. That’s a pretty big difference! Call to talk to an agent and get a customized quote to find out if you’re also overestimating the cost of life insurance.

Please note: we are providing some basic information to help our visitors gain insight into the world of life insurance coverage by including some sample term life insurance quotes and universal life insurance quotes to give you a ballpark of what you may qualify for if you are considered a preferred best rate class. The below sample rates are in no way reflective of what you will actually qualify for.

*Sample 10 Year Term Life Insurance Rates

For those looking for cheap life insurance, the 10 year term policy is going to be the best choice. That is because you will find that the average cost of life insurance will be lower on the 10 year term.

The low price should be attractive for anyone who needs low cost life insurance to cover SBA loans

Ages $250,000 $500,000 $1,000,000 $2,000,000
20 9.62 14.18 21.29 38.67
30 9.62 14.07 21.46 40.42
40 11.71 18.2 29.06 52.94
50 23.81 41.76 75.51 143.15
60 60.13 112.83 214.36 434.7
70 179.62 319.34 609.92 1223.46
80 748.34 1490.56 2842 5677.87

*All quotes are based on a preferred plus male as of January 31, 2017.

Best 10 year term life insurance rates above from Pruco Life Insurance Company, Protective Life, Mutual of Omaha, AIG Life, AXA Equitable, Lincoln Financial and Foresters

 

*Sample 15 Year Term Life Insurance Rates

This is a great option for the dad or mom (or both) that have young kids in the house but are not planning on adding to the family. If your youngest is three, fifteen year term life policies will provide coverage for mom until the youngest child is 18.

The advantage of choosing a shorter term length is you can increase the face amount substantially and really save on the cost of life insurance. Consider this: often it makes more sense to get a shorter term length with a larger face amount. If you die prematurely, your family is going to need a lot of money to get by. Don’t sacrifice getting the appropriate amount of coverage for a longer term.

Ages $250,000 $500,000 $1,000,000 $2,000,000
20 10.51 15.48 24.6 45.33
30 10.51 15.49 24.6 45.33
40 12.98 20.38 35.08 70.16
50 33.38 59.94 107.61 209.68
60 81.84 150.22 292.6 579.48
70 267.52 504.64 979.51 1959.02
75 755.72 1480.06 2937.76 5872.94

*All quotes are based on a preferred plus male as of January 31, 2017.

Best 15 year term life insurance rates above from Transamerica Life, Pruco Life, Lincoln Life, Banner Life, AIG Life, Protective Life

 

*Sample 20 Year Term Life Insurance Rates

Homeowners often think they need a 30 year term to cover the mortgage on their home. However, the average American only stays in their home for 13 years. Rather than fork over the extra money for a 30 year term, consider a 20 year term policy.

Ages $250,000 $500,000 $1,000,000 $2,000,000
20 12.98 20.29 34.27 66.35
30 13.22 20.38 34.99 68.08
40 17.91 28.92 51.99 104.15
50 41.96 76.86 143.84 287.52
60 111.56 207.96 400.83 801.66
65 214.86 401.27 764.98 1529.96

*All quotes are based on a preferred plus male as of January 31, 2017.

Best 20 year term life insurance rates above from United of Omaha, Protective Life, SBLI, AIG Life, North American

 

*Sample 25 Year Term Life Insurance Rates

The 25 year term is the black sheep of the term lengths. No one likes to talk about it, but it does exist. There are (rare) occasions when it makes sense, such as tailoring the term length to your youngest child getting through college.

Ages $250,000 $500,000 $1,000,000 $2,000,000
20 17.21 26.52 46.38 90.31
30 17.65 27.76 48.52 95.5
40 26.73 46.11 85.49 168.16
50 62.08 115.83 216.96 433.91
60 207.3 382.24 703.59 1401.65

*All quotes are based on a preferred plus male as of January 31, 2017.

Best 25 year term life insurance rates above from AIG Life, Protective Life, Transamerica Life, SBLI, Foresters

 

*Sample 30 Year Term Life Insurance Rates

The average cost of life insurance climbs considerably with a 30 year term. This is the longest term available without adding a return of premium (ROP) rider to your policy. The reason term life insurance rates are significantly higher with a 30 year term than with a 10 year term is because your getting closer to your life expectancy and there is a significantly greater chance you will die in 30 years than in 10.

Ages $250,000 $500,000 $1,000,000 $2,000,000
20 15.23 24.36 42.63 79.17
30 20.39 33.65 59.63 116.26
40 30.94 53.15 101.72 199.3
50 73.06 134.35 259.26 510.65
55 133.56 258.98 487.34 969.15

*All quotes are based on a preferred plus male as of January 17, 2017.

Best 30 year term life insurance rates above from Assurity, American National, Minnesota Life, Prudential Life

 

No Exam Term Life Insurance Rates

For all of you out there that would prefer to skip the life insurance exam altogether, we have also provided some sample no exam life insurance quotes.

No medical exam life insurance is ideal for those who want to avoid blood tests, having your blood pressure taken and providing a urine sample. Just know that avoiding an exam vs taking an exam means you may pay more for your insurance coverage.

The following sample no exam life insurance rates are based on a 10 year term for a preferred plus male. All rates must be qualified for.

Ages $50,000 $100,000 $250,000 $500,000
30 $8.92 $9.45 $13.92 $18.27
40 $10.89 $10.75 $16.25 $23.75
50 $15.30 $17.87 $27.67 $45.70
60 $31.28 $36.14 $68.32 $127.32

Compare Exam & No Exam Life Insurance Quotes

*Sample Universal Life Life Insurance Quotes

Guaranteed Universal Life (GUL) is permanent life insurance. It is similar to whole life but generally offers more flexibility because the premium and face amount can be adjusted.

Consider permanent life insurance for funding buy-sell agreements or estate planning. When planning your estate or business succession, other types of life insurance, such as indexed universal life, should also be considered.

*Rates are for GUL to age 100. All universal life insurance quotes are based on a preferred plus male as of February 2016.

Ages $250,000 $500,000 $1,000,000 $2,000,000
20 59.66 119.33 206.88 413.76
30 80.18 160.36 286.2 572.4
40 117.8 235.59 438.52 877.05
50 180.4 360.8 688.81 1377.61
60 320.14 640.28 1236.91 2473.81
70 576.35 1152.7 2260.25 4520.5
80 1324 2647.99 5191.6 10383.2

*Sample Universal Life Insurance Quotes

*Rates are for GUL to age 121. All annual universal life insurance quotes are based on a preferred plus male as of April 2017.

Age $100,000 $250,000 $500,000 $1,000,000 $5,000,000
40 $734 $1,592 $3,015 $5,690 $28,450
45 $848 $1,912 $3,590 $6,700 $33,500
50 $1,105 $2,425 $4,570 $8,580 $42,900
55 $1,331 $2,995 $5,775 $11,100 $55,500
60 $1,709 $3,905 $7,645 $14,950 $74,750
65 $2,272 $5,257 $10,180 $19,700 $98,500
70 $3,066 $7,172 $13,925 $27,000 $135,000
75 $4,115 $9,697 $19,230 $38,120 $190,600

Best universal life insurance rates above from AIG, Protective Life, Mutual of Omaha, Sagicor and Banner Life.

How about Whole Life Insurance Quotes?

Sample Whole Life Insurance Quotes

Whole life insurance offers guaranteed fixed premiums, a guaranteed death benefit and guaranteed cash value. You can view our picks for the best cash value whole life insurance companies or simply enter your info below for online whole life insurance rates.

Spruce up you policy with these great whole life insurance riders:
A Final Word on Life Insurance Rates

Please keep in mind that each life insurance rates chart displayed above is for informational purposes only. The rate you qualify for will vary on your specific situation and needs. Your rate class is dependent on a number of factors, including age, height/weight, pre-existing health conditions, lifestyle, etc. But no matter what your situation, we’d love to help you find the right life insurance. If you’re curious for more information, read up on how life insurance companies determine health rate classes.

Our TermLife2Go team is ready and willing to guide you through the process of obtaining the best life insurance rates quickly and easily. We do this by aligning you with the right company, at the right price.

By focusing on the best life insurance policies and insurers, we cater each recommendation to the unique need of each client. No client is the same. And there is no one size fits all company.

So, what are you waiting for?  Give us a call today to speak to a top life insurance agent and see what we can do for you!

Thank you for reading our article, Life Insurance Rates by Age. Please leave any questions or comments below.

40 comments… add one
  • Ellen L

    I want to get a life insurance with one that will help me financially when i am not able to work and a policy that will pay my hospital bills when i get sick.

    • Ellen,

      It sounds like you might be interested in a disability insurance policy or a life insurance policy with a disability rider.

      We’ll have an agent reach out to you shortly with some options for you to consider.

      Thanks,

      TermLife2Go.

  • Virginia

    I looking to get insure my sister who is on disability and cannot afford life insurance. I’m looking for a policy that would be enough to cover funeral expenses (around $10,000). Can I purchase one for her?

    • Virginia,

      You should be able to purchase a policy on your sister provided that she is “OK” with that. We’ll have an agent reach out to you so that if you have any additional questions or would like to know how much a policy would cost, you can ask him/her directly.

      Thanks,

      TermLife2Go.

  • 65 yr old female non smoker healthy no meds looking for 50-100,000 policy ok to take exam

    • Emily,

      Sounds good, we’ll have an agent reach out to right away with some quotes.

      Thanks,

      TermLife2Go.

  • Canetra

    I am 43 and I want to make sure I’m picking the right insurance it’s very important

  • Canetra

    Can someone please contact me about this or mail me information

    • Canetra,

      We will reach out to you via the contact information you provided.

      Sincerely,

      TermLife2Go

  • Pauline S

    I am wanting to take out life insurance on my husband who is is a US Prison, I live in Australia, how can I go about doing this.

    • Pauline,

      Unfortunately, we are unaware of any insurance carrier that will accept a life insurance policy from someone who is currently in prison.

      Thanks,

      TermLife2Go.

  • Please call me about term life
    281-XXX-XXXX

    I am looking under term life2go

    Janet M.

  • Scott

    I am 54 healthy professional, single with no children and no need for death benefits / payout. I love the no tax withdraw benefits during retirement of universal health insurance, but is their a better policy type for me?
    thanks
    Scott

    • Scott,

      Please be on the lookout for an email from one or our agents so that he/she can answer any specific questions you may have about the “type” of policy you are looking for.

      Thanks,

      TermLife2Go.

  • Damien E

    Interested in getting life insurance I’m a disabled veteran wanting to make sure my family is taken care of my cell is XXXX thank you

    • Damien,

      We’ve instructed one of our agents to give you a call ASAP!

      Thanks,

      TermLife2Go.

  • khon

    Im 36 yrs old, 350lbs, 6’1ft, high cholesterol, diabetic, high blood pressure. Anything for me would be a miracle especially term. I like a term that you can conversion into a permanant with no medical exam. Want to accept the challenge?

    • Khon,

      We’ll have an agent reach out to you to see if we might have some options that will work for you. In the meantime, you can always feel free to simply give us a call.

      Thanks,

      TermLife2Go

  • Cindy

    I was wondering why one’s income is factored into determining eligibility for insurance. Is that so that the company is confident that payments can be made reliably? Is it to ascertain if life insurance is even needed? Is a non-working spouse adversely affected compared to one that is working (all other factors the same)?

    • Cindy,

      The reason why one’s income is factored into determining “eligibility” for life insurance is tied into the “purpose” of life insurance.
      Life insurance or any insurance for that matter is designed help one become “whole” again. It’s purpose is to help protect someone from a financial loss.
      So if you are looking to insure a person, but would not be affected “financially” by that person’s loss, you theoretically wouldn’t have a “insurable risk” in this person’s life (this is why you can’t insure a stranger).

      So, along these lines, if you’re looking to insure someone whom you don’t depend on financially, or would not suffer “financially” from their passing, from an life insurance perspective, you would “theoretically” not have an insurable interest, because you would not suffer from a financial loss as a result of this individual passing.
      Now there are some situations where you may suffer from a financial loss such as having to pay:

      • Burial costs or final expenses.
      • Estate taxes.
      • Or some other expenses…

      Which may justify the need for insurance which may satisfy an income requirement, however these types of “losses” will need to be well defined and documented prior to an insurance company approving your life insurance policy. Lastly, when it comes to “income justification”, it usually won’t be an issue unless you’re looking for a policy greater than $100,000.

      Now on to your question regarding a “non-working” spouse. If a non-working spouse were to pass away, there would be costs associated with that. Costs such as burial expenses and the “cost” to replace any work that they may do in or around the home.

      For this reason, it is generally accepted that “non-working” spouses should be eligible for up to the same amount of coverage the primary bread earn is insured for (within reason) without having to “justify” the need. Of course, we should not that if you are seeking a “large” life insurance policy, insurance underwriters may seek additional information or “justification” for the insurance need.

      Hopefully this answers your questions, if not feel free to give us a call and we’ll be more than happy to explain in further detail.

      Thanks,

      TermLife2Go.

  • Cindy

    This is a question regarding Valerie’s situation (heart transplant). Couldn’t she apply for life insurance not requiring a medical exam? Or are those policies for people who have never had an exam or had one a long time ago? Would one be asked health questions anyway? For example, if you know you have high blood pressure, would you have to answer that question on a “no medical exam” application? My impression was that for the “no medical exam required” application, no health questions would be asked

    • Cindy,

      In general, there are three different types of life insurance policies one can choose to apply for.

      1. Traditional term or whole life insurance policies.

      These are life insurance policies that will require an applicant to take a medical exam and answer a series of health-related questions. A prescription database check will be performed as well.

      Applicants will need to be able to “medically” qualify for these types of life insurance policies before they will be “eligible” for coverage.

      2. Simplified issue life insurance policies.

      Are life insurance policies that won’t require a medical exam but will ask a serious of health-related questions and will run a prescription database check to confirm eligibility.

      These policies will require one to “medically” qualify for coverage, and can potentially be more difficult qualify for particularly if the applicant does have a history of a pre-existing medical condition.

      3. Guaranteed issue life insurance policies.

      Guaranteed issue life insurance policies are life insurance policies that won’t require an individual to take a medical exam or answer any health-related questions. The problem with these types of life insurance policies is that they are generally reserved for those over the age of 50 and they:

      • Usually only provide coverage up to $25,000 dollars.
      • And will contain a Graded death benefit.

      For more information about these types of life insurance policies, we would recommend that you take a look at the following articles:

      https://termlife2go.com/no-medical-exam-life-insurance-versus-taking-exam/

      https://termlife2go.com/guaranteed-issue-life-insurance/

      Thanks,

      TermLife2Go.

  • Brenda N

    I’m looking for insurance that doesn’t give me a hassle about checkups . I’m 62 years old n good health.

    • Brenda,

      There are many different life insurance companies that are now currently offering policies that won’t require someone to take a medical exam in order to qualify.

      We would just need to know how much coverage you are looking for and if you have any pre-existing medical conditions which may make one of those policies a better fit than another.

      For this reason, we would just recommend that you give us a call and we’ll see what we can do to help you out.

      Thanks,

      TermLife2Go.

  • Stacie o.

    I’m helping my my mom, who’s 68 years old look for an affordable policy.

    • Stacie,

      That sounds good, just give us a call and we’ll do our best to help you out.

      Thanks,

      TermLife2Go.

  • cheryl

    My husband is 65 healthy retired. Im 60 healthy working.
    We don’t have life insurance and would like to get 20 year policy.
    What do you suggest for us?

    • Cheryl,

      Your best bet would be to give us a call so we can try to determine what rate classes you might qualify for. This way we can get an idea about which insurance company might offer you the best deal.

      Thanks,

      TermLife2Go.

  • Lewis sumler

    I am 47 yr old healthy male don’t drink or smoke. I have a pre-existing well managed condition I could live another 50 yrs. No children, great nephews & niece’s I am interested in fixed premium affordable whole life insurance.

  • eric van haaften

    Most people realize term life insurance rates are greatly affected by your age. Most insurance agent’s always tell you the best time to buy a policy while you’re still young. Great coverage of the prices you pay for life insurance at different ages with the various products available to address these needs.

  • Heather

    Hi my name name is Heather and I’m only 24 bit I’m a single mother of 3 boys… I currently had a scare that had me really thinking about needing to protect my boys. Well not only protected but to keep them covered if something were to happen to me. I was looking into globe life (whole life) for them? They are 11 months, 3, and 4. But I didn’t know about myself. What is best to do? Whole life or term? How does that work? When my term is up, say I get the 15 years, when I’m 40 do I have to pay the 40 year old premium? I’m so lost and don’t know which type would expect better so any input would be helpful thanks!!

    • Heather,

      Your asking a lot of great questions which is why I would suggest that you give us a call so that we can assist you in finding policies that will cover all of your needs.

      Thanks,

      TermLife2Go.

  • My mother is 71 and has never considered life insurance, She is the only surviving person I have left In my family and I have 2 young children, Never graduated , She is looking for insurance that will pay a death benefit upon her passing which She is healthy But finally knows she has to help out the only one left to support her grandkids. She wants to make sure that it is a minimum of 100-500,000 And not sure Exactly how it works due to her being older now, (Senior Term correct) How can she know for a fact if she pays this monthly that myself her daughter Will be granted and guaranteed a immediate issue and access to these funds.
    How does it work if she has been paying for 6 months and passes on the 7th month , Would I the only and sole beneficiary Still receive the full amount of coverage she chooses? How long is the process after a death to receive funds to pay for funeral , mortgage etc????

    • Nicole,

      You’re asking all the right questions, but we would really need to speak with your directly to be able to answer them sufficiently. For this reason, why don’t you just give us a call and we’ll do our very best to help you out!

      Thanks

      TermLife2Go.

  • I am looking for various rates to compare and select an affordable and convenient policy.

    • Bernard,

      Our quoter will instantly provide rates from various insurance companies, so if you’re just looking to see what rates you may qualify for, that would be our suggestion.

      Now if you want to get a better idea on exactly what “rate class” you would qualify for, we would suggest that you give us a call.

      Thanks,

      TermLife2Go.

  • Valerie

    I am looking for life insurance quote.
    I am 47 years old.
    I recently had a heart transplant .
    I have a young son.

    • Valerie,

      Finding coverage as a heart transplant patient is going to be really tough. In fact, we’re not aware of any traditional term or whole life insurance product that would take on a heart transplant applicant. We do however know of a company that would offer you up to $25,000 dollars in coverage through a “guaranteed issue” product, but other than that you’re best bet would most likely be an accidental death policy.

      Why don’t you give us a call so that we can learn more about your situation and see if we have something that might interest you.

      Thanks,

      TermLife2Go.

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