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No matter what age you are in life, life insurance is definitely something to add to your overall financial portfolio. It may be thought that the older you are the more it will cost you to secure a plan but the fact of the matter is that it is never too late to add a policy to your portfolio. Despite what you may think, people at age 75 do not exhibit any additional health issues to that of the population in the age range 60 to 74. There is nothing keeping an older individual from receiving either a whole life or term insurance plan. One of the best benefits of term life insurance is that the premium is almost always significantly less expensive than whole life insurance. If this ends up being the case you will be without insurance as well as end up spending a lot more money in order to extend coverage. There are many instances in which you may not want to have an exam done in order to receive senior life insurance. On the other hand, if you are not confident in your level of health, obtaining life insurance at age 75 can be a rather difficult process. If you fear that you may be declined coverage, or already have been denied, it is probably in your best interest to consider whole life insurance. There are also different contingencies between the two types of policies and some are more lenient with the term life insurance policy.



As you get older, the options for companies that will underwrite you become slimmer.   Here are some sample quotes for a 75 year-old. Website of the Telegraph Media Group with breaking news, sport, business, latest UK and world news. Depending on how long an individual needs coverage for has a lot to do with whether or not one would get whole life versus term life insurance.
Despite it being less expensive it is oftentimes not the best option for someone who is 75. The general rule of thumb is that if you need under $25,000 of coverage go with a no exam whole life insurance plan. There are a number of different health issues that are escalated in seriousness when you have them at an older age. In the event that you do not partake in an exam prior to receiving a policy, it is important to remember that you will be evaluated in other ways and that your premiums will be more expensive. For example, one such difference may be that your beneficiaries may have to wait a couple of years before they are eligible for a full payout. Making sure that you do your research and take advantage of resources that are available to you is extremely important.
Content from the Daily Telegraph and Sunday Telegraph newspapers and video from Telegraph TV.


If you buy a term life plan it is most likely for a ten year period, in which case there is a very good chance you will outlive it. However everyone’s individual circumstances are different, so seeking the advice of an experienced life insurance agent is often advised.
However if your need is greater than this amount, receiving an exam prior to receiving a policy is the better option.
It is never a bad idea regardless to call on an experienced life insurance agent who is knowledgeable in the market.
Opting for an exam if you are confident in your health can decrease your policy by as much as 50 percent. If this is the route you take, make sure that they specialize in elderly life insurance policies and that they come with good recommendations.




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