Looking for life insurance at age 33 starts with knowing who the best companies are, including the best exam and no medical exam life insurance policies. This article will help you choose the best company—for you—based on your unique health and lifestyle.
Life insurance for a 33 Year Old.
Deciding to buy life insurance in your 30s is a really smart decision. By now you’ve probably taken on many different responsibilities that would suffer were you to pass away. You may be married, own a home, or maybe even have a few children who depend on you to be there for the next 2 or 3 decades.
But what would happen if you weren’t there? What would happen to your loved ones if didn’t live a long and healthy life?
Buying life insurance at 33 is a perfect time to lock in a great rate on either a term or whole life insurance policy. At age 33, we generally have a pretty good idea on exactly how much insurance we are going to need as well as have a pretty good idea about what will and won’t fit within our budget.
Which is why these three reasons alone make buying life insurance at age 33 a great time to buy. Because at age 33 life insurance should be:
- Easy to qualify for, and
- Full of options.
- See how affordable a million dollar life insurance policy is
Affordable Life Insurance for a 33 year old:
Buying life insurance at age 33 should be reasonably affordable because at this age most applicants are typically going to be healthy. Life Insurance companies know this and are going to work hard to earn your business. As a result, you should have your pick of insurance carriers offering you great rates, with and without the need for a full medical exam. See our article, exam versus no exam.
Life insurance rates for a 33 year old.
For example, a $250,000 20 year term life insurance policy for a healthy 33 year old male would cost less than $14 a month. A Universal Life insurance policy would run $86 a month. A no medical exam term life policy for $250,000 on a 20 year term for a 33 year old male would run $20 a month. That is comparable to two movie tickets or a pizza and a beer.
The rates for life insurance on a healthy 33 year old female are even less due to the fact that women tend to outlive men. So for all the women out there, life insurance for a 33 year old female can be as low as $12 a month. Can you think of a better way to spend $12 than on insuring your life to take care of your family?
Life insurance age 33 quotes.
for a male at a preferred plus rate class; sample quotes are based on a composite of A- rated companies and better as of October 2013. Rates must be qualified for.
Life insurance age 33 quotes.
for a female at a preferred plus rate class; sample quotes are based on a composite of A- rated companies and better as of October 2013. Rates must be qualified for.
For more quotes based on age, see our life insurance rates chart.
Easy to qualify for:
Qualifying for life insurance at age 33 should also be pretty easy because most 33 year olds are going to be in pretty good shape. At this point few of us will have been diagnosed with many of the conditions insurance companies look at when determining eligibility and rates. Conditions such as:
- High cholesterol.
- High blood pressure.
- High blood sugar (see diabetic life insurance)
If you already have one of these conditions then you may want to act fast as procrastinating on life insurance with a medical condition can make it impossible to qualify for life insurance down the road.
More options to choose from:
Buying life insurance at age 33 will also provide you with greater amount of options to pick and choose from when making your decision. For example, different types of life insurance polices such as:
- Return of Premium Insurance policies.
- Whole life insurance policies.
- And Universal Life Insurance policies.
These policies should be considered as potential alternatives to traditional term life insurance simply because at the age of 33, they could be really inexpensive and provide some extraordinary benefits that traditional level term options lack. What is necessary in determining the right product for you is a thorough needs analysis. That is where TermLife2Go steps in.
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!
We know that for a lot of individuals, especially those who are just starting a family, having a “ton” of discretionary income simply isn’t a reality. So, despite the fact that you may have all the reasons in the world to purchase a term or whole life insurance policy right now, having the “funds” to do so just isn’t possible!
For this reason…
We’ve also chosen to write several articles sharing some of the knowledge that we have acquired over the years working with 1000’s of clients concerning how they earn a living.
You see, nearly every time we complete a life insurance application for one of our clients, 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 that a person can take. Some of which you would probably never think of on your own!
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.