Can You Get Life Insurance If You’Re Over 80?
April 29, 2011 by admin
Filed under No Medical Exam Life Insurance
Can You Get Life Insurance If You’Re Over 80?
Can You Get Life Insurance If You’Re Over 80?
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Home Page > Finance > Insurance > Can You Get Life Insurance If You’Re Over 80?
Can You Get Life Insurance If You’Re Over 80?
Posted: Jan 27, 2011 |Comments: 0
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Most people over 80 who are interested in life insurance seem to express two main concerns. Will they qualify medically and will the rates be affordable. Of these concerns, the one that comes up the most, is health qualification. It is not uncommon for an individual to be quoted good rates and then just be declined for insurance.
If you are in great health
If your are one of the many people over 80 who are in good health or you only have had some very minor health issues such as colds, headaches… Or anything treatable with over the counter medication, then you should be able to get the best possible rates. Also, most plans should be available to you with a possible limit on the term life insurance plans which may offer guarantees for only 15 years. If you need longer coverage, then a whole life or even a lower priced universal life plan should do the job.
The fast answer no exam life insurance plan
This plan is probably the most popular plan with people over the age of 80. Very often it is the child of a senior that gets the life insurance and this makes it much easier for everybody to secure a policy. Keep in mind that these policies are very limited in the amount of coverage they offer, with most companies offering a maximum of ,000 in coverage (usually whole life). Keep in mind also that, if you are over 80, and do not wish to do a life insurance exam, whole life insurance may be the only option available.
The slower answer full underwriting life insurance (exam required)
Although it takes longer to underwrite (get a final answer), the full underwriting plan or sometimes called the exam required plan, should yield the most and best life insurance coverage for the least amount of premiums. Before you get all excited about this option, keep in mind that, you cannot be in a hurry to get the coverage as it can take weeks for an answer (you are over 80!) and there is always a chance that the life insurance exam will uncover some health issues you did not know you had. If you are not 100% sure about your health (in other words you have not had a physical in over three months) then, we recommend that you secure coverage with a no exam plan first and then apply for the full underwriting plan. If your full underwriting plan gets approved at good rates, just cancel the more pricey no exam plan.
If you have some minor health issues
For individuals over 80 who have minor health issues, both plan options above may still be available and the process is about the same. Some examples of minor health issues are controlled high blood pressure, non-evasive external cancer (skin), diet or pill controlled diabetes, internal cancer with last treatment more than 5 to 10 years ago, controlled heart health issues and the ability to care for your personal needs (bathing, dressing…). Some insulin dependent diabetics may fall under this category too.
If you have major healthy issues
Having major health issues, as you may know, will limit the number of life insurance plans available to you. In most situation, graded life insurance is the only type of plans a senior over 80 will qualify for. Graded life insurance simply means that for the first two to thee years, the death benefit is limited to the premiums you paid plus some in interest (we have seen interest rates range from 4% to 10%). Although, some people may decide that the plan is worthless since full coverage does not start right away, we fee that, if you cannot qualify for any other life insurance coverage, it is a big mistake not to get a graded lief insurance plan. After all, worst case scenario, you died within the graded period, but you have made 4% to 10% on the money you sent to the insurance company for premiums – where else can you get that kind of return at no risk? Applying for full underwriting life insurance may still be OK but be prepared to be declined fast. In rare cases, you may get approved with very very high rates. One tip most people do not know is that it is easier to get approved for permanent life insurance (whole life, universal life…) than term life.
Note that, in all options above, we have covered the most common health issues. Of course, if you have a health issues not mentioned above, you may fall under any of the above categories. Please ask your advisor about plan availability for your specific health issue(s) and give the advisor as much information as possible. The more information you give your advisor the better the results (in most cases). We hope this article gave you a good head start on getting life insurance if you are over 80 and it made you feel more comfortable about the process. Please feel free to ask us questions too. The answer is fast and clear. Be well.
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Philippe Deray -
About the Author:
Philippe Deray – About the Author:
Philippe Deray is President and CEO of MCD Financial Services and MCD Life. Our web site address is http://www.mcdlife.com/life_insurance/seniors_life_insurance/life_insurance_for_seniors_over_80.htm
Our Focus Life Insurance for people over 80
With many years of experience in the insurance business, we have developed proprietary methods to help individuals over 80 with great or not so perfect health history, get affordable insurance. We offer term insurance, whole life and universal life insurance, long term care and medicare plans. We will make this process as simple as possible and get you an answer as fast as possible.
Company Profile
MCD Life is a successful, dynamic company built on the principal of serving our customers FIRST! Our primary mission is to bring peace of mind to our clients by offering innovative, value-added products and information that place emphasis on short and long term benefits, benefits backed by selected companies with high quality assets and written guarantees.
]]>
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I have a policy already through liberty life insurance how do i look it up on the internet
Is it possible for an individual to have max life insurance coverage from different insurers?
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Article Tags:
get life insurance over 80, seniors over 80 life insurance, life insurance over 80 years old
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Philippe Deray – About the Author:
Philippe Deray is President and CEO of MCD Financial Services and MCD Life. Our web site address is http://www.mcdlife.com/life_insurance/seniors_life_insurance/life_insurance_for_seniors_over_80.htm
Our Focus Life Insurance for people over 80
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Company Profile
MCD Life is a successful, dynamic company built on the principal of serving our customers FIRST! Our primary mission is to bring peace of mind to our clients by offering innovative, value-added products and information that place emphasis on short and long term benefits, benefits backed by selected companies with high quality assets and written guarantees.
Life Insurance Over 50, Over Age 65 Or Even Age 85!
February 15, 2011 by admin
Filed under No Medical Exam Life Insurance
Life Insurance Over 50, Over Age 65 Or Even Age 85!
Life Insurance Over 50, Over Age 65 Or Even Age 85!
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Home Page > Finance > Life Insurance Over 50, Over Age 65 Or Even Age 85!
Life Insurance Over 50, Over Age 65 Or Even Age 85!
Posted: Nov 11, 2007 |Comments: 2
| Views: 2,641 |
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Why Do Older People Need Life Insurance
Many older Americans find themselves without adequate life insurance, just at a time when it is harder to obtain coverage because of age or health conditions. Some had purchased large term policies while they were in their working years, but those policies had expired. The idea was to obtain a large amount of coverage while children needed support and mortgages still needed to be paid. After the term, they would have less obligations because mortgages would be paid off and their children would not need support. Or perhaps they had life insurance through work, and they retired, became unemployed or changed jobs.
But somehow savings had not been accumulated to meet their present debts and obligations. Maybe the mortgage did not get paid off as planned or children did not become self supporting as soon as the parents had hoped. Or maybe the older people just realized the tax advantages of passing on their estate to beneficiaries through a life insurance policy. And of course, if the formerly insured person is a partner in a business that they want to leave to somebody outside of the family, or just to one family member, they may have realized that a life insurance policy is a great way to fund a buy-out agreement!
Whatever they faced, somehow they find themselves middle aged or elderly, with outstanding obligations, and without life insurance. Now, because of illness and age, it will be more challenging to find life insurance. However, because this circumstance is common, and because many life insurance companies like mature clients, it will not be impossible at all!
Affordable Life Insurance Over 50
Many factors go into the cost of life insurance. All things being equal however, it will cost more to insure a sixty year old than a thirty year old. However, all things are not always equal. Nowadays credit is a factor that insurance companies consider, and mature people are more likely to have a long history of financial responsibility. Also, even though the mature person still has a need for life insurance, they may be able to settle for a smaller face value than they needed at thirty. Of course, underwriting will be simpler for a smaller amount of life insurance protection, and since life insurance is paid for by the amount of coverage, the premiums can still be kept affordable.
Look For Senior Friendly Companies
If you are over 50, or if you are a younger adult with a health condition, look for a life insurance policy that is geared towards your needs. An experienced life insurance company or life insurance agent, who is an expert of your sort of case, can present your options. But do not give up because you do have options! You may have to settle for a lower face value of coverage, and you may need to take out a whole life insurance policy rather than a term life insurance company. However permanent life insurance policies have their advantages too, since they do build up a cash value, and will never expire as long as the premiums are paid!
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Find Over Fity Life Insurance with advice on types of life insurance and No Medical Exam Senior Life!
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I have a policy already through liberty life insurance how do i look it up on the internet
What other type of insurance i can sell with my life insurance license?
I am wondering if i can purchase life insurance on my husband incase of death to cover cost of bills for myself and children
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life insurance over 50s, life insurance over fifty, seniors life insurance, no medical exam life
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2. Baljinder Lyall 25/09/2010
we live in edmonton ALBERTA.CANADA.I want apply life insurance for my mom and dad. they are over 60.do i need a medical checkup.can u email me all the information.
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1. Manuel Visbal 24/08/2009
I am 85 years old and would like to insure myself for about .000. ould you tell me if you could accept me a d if so what the monthly premium would be?
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Find Over Fity Life Insurance with advice on types of life insurance and No Medical Exam Senior Life!
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Life Insurance for Seniors Over 70
January 5, 2011 by admin
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Life Insurance for Seniors Over 70
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Home Page > Finance > Insurance > Life Insurance for Seniors Over 70
Life Insurance for Seniors Over 70
Posted: Jan 04, 2011 |Comments: 0
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Selecting a life insurance plan when you are a senior over 70 does not have to be so complicated. It really all comes down to the same questions one may ask when they are under age 70. What does the plan cover and how long is my coverage good for?
Life Insurance for Seniors Over 70
Fist of all, if at all possible, your plan should offer immediate coverage. In other words, should the insured die shortly after the coverage is in force, the full face amount should be paid to the beneficiary(ies). Although cash value is a nice added benefit, we do not feel that it is of prime importance to a senior’s life insurance plan. Some may say that with full endowment polices, the senior will have the advantage of getting the full face amount of their policy in cash at the end of the term. We do not feel that this is a great advantage as, unlike the face amount, the cash value may be taxable. So, what should have been a tax free payment upon death becomes a possible taxable payment to a senior who outlived the insurance policy. If at all possible, if a insured outlives a whole life insurance policy, the owner of the life insurance policy, should request an extension of coverage rather than a cash payout.
Some insurance policies will also offer a terminal illness rider. That rider is often included at no extra cost to you but it may need to be requested to be included. The terminal illness rider, allows for the insured senior to use a portion of the face amount of the policy before death and in case of a covered, diagnosed terminal illness. Another rider that may be important, although not often available, is the long term care benefit rider. This rider can be very useful, particularly if you do not carry a long term care insurance policy. Briefly, long-term care (LTC) is a variety of services which help meet both the medical and non-medical need of people with a chronic illness or disability who cannot care for themselves for long periods of time.
Please be aware that some whole life insurance policies, when the insured is not in the best of health, will postpone coverage for two to three years. What that would mean for the senior or mainly the beneficiary, is that during first the two to three years of coverage, should the insured die, the face amount will be limited to the premiums paid plus some interest. If applicant cannot qualify for a standard life insurance policy, we have found these polices (graded life insurance) are a very good choice. After all, some of these policies may pay you 5% to 10% on your money for the first two to three years until the full face amount kicks in. How many people can get 5% to 10% on there money without risk in bad or even in good economic times. So if you are a senior over 70 and cannot qualify for level whole life insurance, then graded life insurance may be a very good choice.
How long should coverage and rates be guaranteed on life insurance policy for a senior over 70?
The answer is simple, as long as possible! The reason is that many seniors today will live to age 90+. So if a senior over 70 gets a term life insurance policy and, most likely, will only be able to get a 10 to 15 year term, the insurance coverage may run out at a time it will likely be most needed. In a situation where the life insurance coverage, a senior needs, is very specific to a liability (mortgage, car loan…) a term life insurance policy may be the better choice. Most senior policies are used for the purpose of taking care of final expenses including among other things, burial cost though. Your coverage is more likely to be a long term need and if you do a term life insurance plan, after it runs out, you may have to get re-approved for coverage and will pay much more in premiums and are more likely to be highly rated or declined (depending upon your health and other factors). If a term policy is absolutely needed, we recommend that seniors over 70 also take a whole life policy. The whole life should guarantee rates and full coverage to at least age 100 or longer (age 120 maybe available). Beware of whole life polices, particularly group sponsored or government issued whole life policies, that grade down the coverage after age 70 or 75. Those could be as bad as having term life insurance. Get your own senior life insurance plan!
Exam or no exam life insurance for seniors over 70?
We have covered the exam or no exam issue in many other articles. We felt though that it would be important to mention the major factors for seniors over 70. Simply, if you need a smaller amount of coverage such ,000 to ,000, we recommend the no exam route. The policy is more likely to be approved and approved fast. If you need a large amount of coverage, then the no exam plans will either not be available or become too expensive. The full underwriting exam route is best.
Irregardless of which plan you select, as we say in all of our articles, ask, ask and ask more questions. Be well.
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Philippe Deray -
About the Author:
Philippe Deray – About the Author:
Philippe Deray is President and CEO of MCD Financial Services and MCD Life. Our web site address is http://www.mcdlife.com/life_insurance/seniors_life_insurance/life_insurance_for_seniors.htm
Company Profile
MCD Life is a successful, dynamic company built on the principal of serving our customers FIRST! Our primary mission is to bring peace of mind to our clients by offering innovative, value-added products and information that place emphasis on short and long term benefits, benefits backed by selected companies with high quality assets and written guarantees.
Our Focus Life Insurance for senior over 70
With many years of experience in the insurance business, we have developed proprietary methods to help seniors get affordable insurance. We offer term insurance, whole life and universal life insurance. We will make this process as simple as possible and get you an answer as fast as possible.
]]>
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What other type of insurance i can sell with my life insurance license?
I have a policy already through liberty life insurance how do i look it up on the internet
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Copyright © 2005-2011 Free Articles by ArticlesBase.com, All rights reserved.
Philippe Deray – About the Author:
Philippe Deray is President and CEO of MCD Financial Services and MCD Life. Our web site address is http://www.mcdlife.com/life_insurance/seniors_life_insurance/life_insurance_for_seniors.htm
Company Profile
MCD Life is a successful, dynamic company built on the principal of serving our customers FIRST! Our primary mission is to bring peace of mind to our clients by offering innovative, value-added products and information that place emphasis on short and long term benefits, benefits backed by selected companies with high quality assets and written guarantees.
Our Focus Life Insurance for senior over 70
With many years of experience in the insurance business, we have developed proprietary methods to help seniors get affordable insurance. We offer term insurance, whole life and universal life insurance. We will make this process as simple as possible and get you an answer as fast as possible. To get a quote for Life Insurance for Seniors Over 70 click here..
No Exam Life Insurance Online – You Could Save Over $500 A Year On Your Life Insurance
December 13, 2010 by admin
Filed under No Medical Exam Life Insurance
No Exam Life Insurance Online – You Could Save Over 0 A Year On Your Life Insurance
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Home Page > Finance > Insurance > No Exam Life Insurance Online – You Could Save Over 0 A Year On Your Life Insurance
No Exam Life Insurance Online – You Could Save Over 0 A Year On Your Life Insurance
Posted: Apr 01, 2010 |Comments: 0
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Looking for No Exam Life Insurance Online? It is vital to acquire a good insurance policy that will ensure the well-being of your close ones. During troubling times, a proper life insurance plan can help your loved ones. When it’s not possible for you to, the insurance plan can take care of the financial health of your spouse and kids. It’s vital to analyze all the relevant insurance plans on the market. Your and your family’s needs should be met by these insurance plans.
You can get a free life insurance quote here.
It is critical to find an insurance policy that gives you the most coverage for an amount that is within your financial grasp. Easy internet research can land you a good insurance plan. With this approach you can cut hours from your research to find the correct insurance plan. The plus with this is that you gather varied insurance quotes from a number of different firms.
There are various free services that will let you find and review the different life insurance plans that are available. You can save time and effort with the free insurance research services. This makes it simple to find the firms that will provide the best coverage for your cash. After obtaining your policies, you then can elect what providers deliver for your needs for an expense that is manageable.
Get your free life insurance quotes instantly here.
It’s advisable to request other opinions on the company you want to purchase insurance from. If you want to get No Exam Life Insurance Online, you need to look at a lot of comparisons. Request information from people who have benefited from certain insurance companies to see how their experience was like. Their knowledge of the policy can certify whether it is convenient for you.
Acquiring quotes online involves completing a basic questionnaire that includes information about your gender and birth date. After you complete the form, you will get competitive quotes from different companies. You will lastly be able to pick out what prodivers are the fitting ones for your needs and that of your loved ones.
Get the best deals now by starting your research. Go here to get more information on No Exam Life Insurance Online and for your free quotes.
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I am a 25 year old single mother ,i earn about ,000 a year as a Teachers assistant while working on my Bachelors degree. I would like to purchase life insurance to protect my family, sugestions?
I’m looking at the diferent ways of saving money. how can i save money or in what ways will i be saving money with a general insurance policy or company?
If a life insurance hasn’t been claimed in four years is it possible for me to put one in?
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no exam life insurance online, life insurance quotes, cheap life insurance rates, low cost life insurance quotes, cheap life insurance companies, life insurance policy, low cost life insurance policies, life insurance premiums, cheap term life insurance
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Find More No Exam Life Insurance Online Articles
Life Insurance Quotes No Exam – You Could Save Over $500 A Year On Your Life Insurance
September 7, 2010 by admin
Filed under No Medical Exam Life Insurance
Life Insurance Quotes No Exam – You Could Save Over 0 A Year On Your Life Insurance
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