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Best Life Insurance rates for a 26 year old.

Life insurance 26 year oldMost 26 year olds looking for life insurance rates by age will have their choice from among the top rated life insurance companies and no exam life insurance companies available. Our job is to make sure that everything goes nice and smooth. Give us a call today and experience the TermLife2Go difference.  Or you can check out our Life Insurance Quotes page and compare exam vs no medical exam life insurance options.

Affordable Life Insurance for a 26 year old

Buying life insurance while in your 20s is a perfect time to lock in a great rate on either a term life or whole life insurance policy.  At age 26, what you’re going to find is that life insurance is really inexpensive.  So inexpensive that usually the hardest thing about buying life insurance at age 26 is understanding all your options.

For this reason, clients in their 20’s should consider locking down a policy based on “price” not on the actual amount of coverage.  The reason for this is that at age 26, a million dollar life insurance policy may seem crazy, but when your 30 or 40 it may be what you really need.  So if you lock in a million dollar life insurance policy at age 26 you could save yourself thousands of dollars later on in life.

For example:

Client will often say that they just need a $100,000 dollars in coverage now but fail to realize that for $5 or $10 more a month they could be looking at having $500,000 to $1,000,000 dollars in coverage.

So rather than buy what you think you need, determine how much you want to spend and then look for a policy that will give you the most benefit for that amount.

Easy to qualify for:

Qualifying for life insurance at age 26 should also be pretty easy because as stated before, most 26 year old’s are in pretty good health.  At age 26 few have been clinically diagnosed with conditions that might make qualifying for life insurance more difficult or more expensive such as:

  • High cholesterol.
  • High blood pressure.
  • Diabetes
  • Etc…etc.

Now if you have been diagnosed with one of these conditions already, it’s not the end of the world, it just makes getting life insurance now all the more urgent. As you grow older, these health conditions may make life insurance very hard to get or may keep you from being able to get life insurance at all.

More options to choose from:

Buying life insurance at age 26 allows applicants to pick and choose among dozens of different options which may or may not be available to older applicants.  For example, polices such as:

These policies should be considered as viable options for most 26 year old’s simply because at age 26 they could be really affordable and provide some significant benefits that traditional term policies simply don’t have.

However, you need to do a thorough needs analysis to make sure your family is properly insured. If you have to choose between a long term or a whole life policy at the detriment of the correct face amount, you might want to choose a shorter term policy that allows you to get the necessary face amount. It is better to have a bigger face amount policy that a longer term because you may not need life insurance down the road, but you definitely need it now. If you are not sure which way to go, TermLife2Go can help.

Lastly…

We know that for a lot of individuals, especially those who are just starting their careers, may not have a ton of extra discretionary income which they can use towards purchasing a term or whole life insurance policy.

For this reason…

We’ve also chosen to write several different articles sharing some of the knowledge that we have acquired over the years working with 1000’s of clients.   You see, nearly every time we complete a life insurance application for someone, one of the first questions that we need to ask is:

“what do you do for a living?” and “what would you estimate your annual income as?

Which means that over the years, we’ve become really familiar with a wide range of different career paths and opportunities some of which you would probably never think of on your own.

And because…

Our number one goal here at TermLife2Go is to help individuals and families secure their own financial security and independence, we wanted to share with you what we’ve learned.  So, once you’ve had a chance to visit our Life Insurance Quotes page feel free to check out our 100 Ways to Make Money Fast and our Top 23 Apps That Will Make You Money.

2 comments… add one
  • Kevin

    Will my fundral be covered if i were to die before the age 50

    • Kevin,

      We don’t have enough information to be able to answer that question accurately. Have you already purchased a life insurance policy? We don’t know. Which is why it’s probably best for you to just give us a call and we’ll be happy to answer any questions that you may have.

      Thanks,

      TermLife2Go.

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TermLife2Go Mission

To empower our customers through knowledge and expertise so our clients secure the best and most appropriate insurance coverage available providing peace of mind to our clients and their loved ones.

About TermLife2Go

Our licensed professionals have over two decades worth of experience and will help you choose the best life insurance company for the lowest price based on your specific needs and lifestyle. Find out more about us here.