If you’re trying to find low cost life insurance quotes for 44 year olds, then you’ve come to the right place.
At Abrams Insurance Solutions our independent agents can help you find what you need and save you time and money along the way.
Whether you are in excellent health, are a smoker, or even if you have health issues, we can perform the comparison shopping for you.
Why Should You Use An Independent Agent?
An independent agent knows and understands the qualification requirements and the rating systems used by insurers.
This means that this gives us the opportunity to find the most affordable policy for your particular situation.
Many people are under the impression that all life insurance companies are the same.
They are not the same!
Some insurers are much more liberal in how they assess you for a policy, while other companies are much more restrictive. Independent agents know which companies are the most lenient when it comes to issuing a life insurance policy.
This is especially important if you have serious health issues such as Type 1 Diabetes for instance, or if you are currently being treated for cancer. There are some companies which will give you an automatic decline for some health issues.
However, this approach does not apply to every life insurer.
So, if you are looking for low cost insurance quotes for 44 year olds then read on because we have provided a sample of what you might expect to pay for a term life insurance policy.
Samples of Low Cost Life Insurance Quotes for 44 Year Olds
The following provides quotes for 44 year olds – both male and female. It is shown as “Preferred” which is the second best rating provided by insurance companies and is for non-smokers.
Term life Insurance – 44 Year Old Male rated as “Preferred –Non Tobacco” health class which means only minor health issues.
Monthly Rates for Term Life Insurance – Male
|10 Year Term||$12.09||$19.98||$34.15||$58.60|
|20 year Term||$18.29||$32.07||$56.90||$104.90|
|30 Year Term||$28.96||$52.94||$97.85||$182.00|
Term Life Insurance – 44 Year Old Female rated as “Preferred-Non Tobacco” health class rating which means minor health issues
Monthly Rates for Term Life Insurance – Female
|10 Year Term||$11.37||$17.98||$30.05||$51.50|
|20 year Term||$14.52||$25.81||$44.65||$81.00|
|30 Year Term||$21.53||$39.81||$72.05||$133.80|
(Life Insurance Calculator) – To compare rates from the nation’s leading life insurance companies for your exact age – please use the Instant Life Insurance Quote calculator on this page.
If you want to get an idea of how much life insurance you need, please use our life insurance needs calculator which will help you determine the right amount for your unique situation.
Permanent Life Insurance for 44 Year Olds
An alternative type of policy you might want to consider is “Permanent Life Insurance” which includes a variety of life insurance policies like Universal Life, Indexed Universal Life, or Whole Life.
The difference between a permanent policy and a term policy is that term insurance pays death benefits only. Permanent life insurance policies not only pay death benefits but they also come with a cash value accumulation feature. As you pay premiums, the cash value accumulation builds up over time.
It also has the added benefit in that you can also borrow against it. There are also certain tax benefits which can save you your estate a lot of money and provide funds to cover estate taxes.
Another advantage of permanent policies is that that act as an investment safeguard which affords more protection than what you would find by investing in the market. You get the upside of the market without the downside risk. I wrote a book on indexed universal life insurance if you are interested in learning more about this strategy. Life insurance can also be used to enhance or supplement your 401(k).
No Exam Life Insurance for 44 Year Olds
There are an abundance of life insurer which are now offering the convenience of No Medical Exam Life Insurance. These policies do cost a little bit more but you don’t have to bother with the nuisance of having to take medical exam. You can also get approved for a policy quickly in a little as a couple of days or as fast as 15 minutes. If you are in a hurry to buy a policy or simply don’t like needles then this might be the perfect option.
Where to Find Low Cost Life Insurance Quotes for 44 Year Olds
If you are a 44 year old male or female, the place to start your life insurance search or begin the application process is to give us a call at Abrams Insurance Solutions. We have access to over 70 of the most respectable names in the business.
Whether you are in excellent health or have a health issue such as asthma, or if you are a same sex couple, we can help you find the most affordable life insurance solution for your family’s needs. Don’t wait any longer and call us today at 858-703-6178.