Affordable Life Insurance for 35 Year Olds

Finding affordable life insurance for 35-year-olds is relatively easy, especially if you are a non-smoker and in relatively good health.

If you are a smoker or have some minor health issues, a life insurance policy will be slightly more expensive but an experienced independent agent such as you would find at Abrams Insurance Solutions can help you find a very affordable policy by performing some comparison shopping for you.

  1. Reasons to not delay
  2. Term life insurance
  3. Keeping it affordable
  4. No exam policies
  5. How Abrams can help

You can also see what your rates may be right now using the Instant Quotes tool on this page.

Reason Not To Delay Buying a Policy If You Are 35 Years Old

If you are approaching your 36th birthday, then you shouldn’t delay buying a policy.  The reason is simple because life insurance becomes increasingly more expensive as you age.  Another reason why it can become more expensive as you get older is because you are more likely to experience a gradual decline in health.

Although your health issues may not be overly excessive, the likelihood of having an increase in your blood pressure and cholesterol levels, along with the possibility of packing a few more pounds than you like can also possibly result in developing Diabetes 2 (Non-insulin diabetes) can impact your cost.

If you do have health issues then we strongly advise that you contact us by email or through the phone number shown below as we will be a better position to find you the least expensive policy for your particular health situation

Inexpensive Life Insurance for 35 Year Olds

But, if you are reasonably healthy and are 35 years old, we’ve provided some sample quotes which will illustrate just how affordable life insurance is for 35 year olds.

We have charts for both males and females for varying amounts of term insurance and varying terms so you can compare the costs for the amount of life insurance you might need.

Term life Insurance Quotes – 35 year old male. 

Rated as “Preferred” health class which means only minor health issues.

Monthly Rates for Term Life Insurance – Male

10-Year Term$7.17$9.81$14.50$23.01
20-Year Term$9.40$14.35$22.59$38.77
30-Year Term$14.35$22.97$39.64$71.47

Term Life Insurance Quotes – 35 year old female. 

Rated as “Preferred”health class which means only minor health issues

Monthly Rates for Term Life Insurance – Female

10-Year Term$6.92$9.18$13.22$20.01
20-Year Term$8.80$12.80$19.60$33.24
30-Year Term$12.34$19.91$33.71$60.03

You can also use our handy life insurance quote calculator which can be found on the right hand side of this page.

Affordable Life Insurance Policies for 35 Years of Age

The least expensive form of life insurance that you can buy at 35 years of age is “Term Life Insurance”.  Term is the most basic form of life insurance because it pays out as a non-taxable lump sum death benefit.

You can also elect to get the death benefit paid as an annuity such as over a 10 year period.  Policies which are payable as an annuity are also somewhat cheaper than those which entail a single lump payment, so that is something you might want to keep in mind.

The reason why “Term” has its name is because it is purchased in chunks of time such as 10, 20 or 30 years.  Some companies sell term policies which are age specific such as “age 65” for example.

The trick at saving money with life insurance is to buy as young as you can because that will save you a lot of money.

You can also use a permanent life insurance policy as a way to protect your money (savings) from taxes and market risk such as through an Indexed Universal Life insurance policy.  This sort of policy is also an excellent way to supplement or improve your 401(k).

No Exam Life Insurance for 35 Year Olds

There are an abundance of life insurance companies which now provide No Exam Life Insurance. These policies cost a bit more but you can avoid having to take a medical exam and get a policy a lot quicker such as in just a couple of days or as fast as 15 minutes. For those who dislike needles and are in a hurry to get a policy or just want the convenience then a no exam life insurance policy is another option to consider.

How To Find Affordable Life Insurance For 35 Year Olds

Always speak with an independent agent such as the ones here at Abrams Insurance Solutions because we have access to over 70 insurance companies and can perform your comparison shopping for you at any age.  If you have any questions or need some advice then call us at 858-703-6178, so we can help you at age 35 to find an affordable life insurance policy.