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Finding Life Insurance for 36 Year Olds

Buying Life Insurance for 36 Year Olds

At Abrams Insurance Solutions we can help in finding life insurance if you are a 36 year old male or female and want to compare rates among the best life insurance companies.

life insurance for age 36 male and female
Getting insurance in your 30s is still easy and affordable.

We have products to suit every life insurance need, whether you are in the best of health or whether you’re not.

And, if you’re a smoker who uses tobacco products regularly, an electronic or e- smoker, or even if you use marijuana, we can help you find a very affordable life insurance solution for your unique situation.

  1. Term rates
  2. Why term?
  3. Other policy types
  4. No exam life insurance

To provide you with some samples of life insurance quotes for 36-year-olds, both male and female, we’ve put together some sample quotes for you so you can get a rough idea of how much a life insurance policy might cost. We have put together these rates for every age if you’re curious.

If you have health concerns, then you are best advised to speak directly with one of our agents at 858-703-6178 as we can discuss your health issues with you and help you find the most suitable policy at an affordable cost.

Term Life Insurance Quotes for 36 Year Olds – Male and Female

The following quotes are for both a male and female who are 36 years of age, a non-smoker and who are in excellent health.

We have provided sample death benefit amounts for policies including $100,000, $250,000, $500,000 and $1,000,000.

The terms, which is the length of the policy, include terms for 10, 20 years and 30 years and are shown as a monthly rate.

Term life insurance for a 36 year old male and female for “Preferred Best –Non Tobacco” health class rating is available as follows:

Term Life Insurance Rates for 36 Year Old Male

 $100,000$250,000$500,000$1,000,000
10 Year Term$7.40$10.21$15.29$24.46
20 year Term$9.74$14.88$23.98$41.79
30 Year Term$15.06$24.50$42.25$71.47

Term Life Insurance Rates for a 36 Year Old Female

 $100,000$250,000$500,000$1,000,000
10 Year Term$7.10$9.51$13.89$20.88
20 year Term$9.11$13.26$20.48$35.35
30 Year Term$12.86$20.78$35.67$63.51

(Life Insurance Calculator) – If you wish to research your own quotes then try our handy to use life insurance calculator which can be found on the right hand side of this page)

Rates only increase as you age. You can get a quick look at how rates increase through your 30s or even compare the rates above to the same amounts at age 37.

Why Get Term Life Insurance for 36 Year Olds?

Term life insurance is the most basic form of life insurance available today and the most popular.  It is also the most affordable and the ideal life insurance for many individuals.

You can buy term life insurance for a variety of periods of time such as anywhere from 10 to 30 years.  Some policies are even age specific and cover you to a certain age such as to age 65 or 80.

Term insurance is very flexible and many companies offer a variety of plans that you can select from so you find a policy that suits your individual needs.

Some policies have a conversion feature which allows you to convert your term policy, before its expiration or by a certain anniversary date, which is specified in the policy.

The conversion feature is especially handy if your health declines, because you can convert your policy to a “Permanent Insurance” such Universal Life without having to take a medical exam and regardless of your health condition.

What Other Life Insurance Policies Can I Find for 36 Year Olds

Every situation is unique and a term life insurance policy might not be suitable for your particular needs.

You might be in a high income bracket, have an estate, a large business and might require other life insurance solutions which are more suitable.

Permanent life insurance has other advantages because you can buy a policy as a means to protect your money (savings) from taxes and a volatile market 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 36 Year Olds

There are many life insurance companies which now offer No Exam Life Insurance. These types of policies do cost a bit more but you can skip the need for having to take a medical exam and can find a policy very quickly such in just a couple of days or as quickly as 15 minutes. If you want convenience, are in a hurry or hate needles than this might be the perfect option for your needs.

Finding Life Insurance For 36 Year Olds

The easiest and most economical way to in finding life insurance for 36 year olds is by speaking with one of the independent agents here at Abrams Insurance Solutions.  We can perform your comparison shopping for you or you can do it yourself instantly with our handy life insurance quotes to the right.

If you have questions or concerns or simply need some straightforward advice then contact us at 858-703-6178 today, so we can find you the life insurance policy that you need if you are 36 or any other age.