Finding the right company for life insurance at age 43 is the key to getting the lowest price. But how do you find the right company? You can start by checking out our top life insurance companies list or our top no medical exam companies list.
From there, you can speak to one of our seasoned professionals about your specific needs, so that we can direct you to the company offering the lowest life insurance rates by age. Call us today!
Or you can check out our Life Insurance Quotes page and compare exam vs no medical exam life insurance options on your own and then just give us a call if anything looks like it’s going to meet your needs!
Life Insurance at age 43.
If you’re 43 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 43 can be super inexpensive if you know where to look. The keys to finding the best life insurance in your 40’s are pretty straightforward. Here are just a couple helpful tips that you should consider in order to get the best deal on your life insurance at age 43.
And just so you know, getting a million dollar life insurance policy with an exam and without an exam is available.
#1. If you don’t know, don’t test!
If you haven’t been to your 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 common ailments commonly found with someone in their 40’s.
Ailments such as:
- high blood pressure,
- high cholesterol,
- or elevated blood sugar (the good news is diabetic life insurance is available).
- For more on why you might be better off with avoiding an exam, see exam v. no exam life insurance
You should know that insurance companies share information about applicants with one another so that once an insurance company performs a medical exam on you, that information will be shared among all the top carriers.
Which is why 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!
Your age will most likely be the number one determining factor in the premium you pay. So today really is the cheapest it’s going to get for you. So don’t delay!
Now there may be a few rare cases where it may be cheaper down the road. Cases 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 people applying for cheap life insurance who are age 43, waiting only means one thing: life insurance is going to cost more when you finally decide to take the step and apply.
#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 others hardly consider it at all.
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 “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. An agency that will 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.
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, choosing from among the different types of life insurance, whether it be Term Life 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!
We’d like to take a moment and let you know that we here at TermLife2Go don’t live in a bubble! And that fully understand how difficult it is for a family to simply “get by” nowadays. And while we would all love to be able to purchase a 100 million dollar term or whole life insurance insurance policy on ourselves so that our loved ones will be forever taken care of should we pass away too soon, but who can afford such things!
This is why…
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 make a living.
Just about every time we complete a life insurance application for one of our clients, one of the first questions that we have 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!
And since we still have your attention…
One can assume that “most” folks who end up purchasing a term or whole life insurance policy do so, so that their loved ones would be protected “financially” in the event of their death.
But what happens if you get sick but don’t die?
Would your family’s financial future still be protected? Probably not. This is why we like to encourage folks to also take a look at some of our other articles that discuss other “types” of insurance policies as well so that regardless of what happens in the future, your family will be well prepared:
- Best Life Insurance with Long Term Care Insurance,
- Best Short Term Disability Insurance Quote,
- And the Best Disability Insurance Companies.
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.