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Term Life Insurance Quotes for 49 Year Olds

life insurance quotes for 49 year olds

Compare life insurance rates in under 1 minute with our “Instant Quotes” form on this page.

Are you a man or woman looking for sample term life insurance quotes for 49 year olds?

We have what you need because we have put together some term life insurance quotes for someone who is 49 years of age.

At Abrams Insurance Solutions we can provide you with the most competitive rates on the market and from the most established life insurance companies.

Term Life Insurance for 49 Year Olds With Health Issues

It’s bad enough that life insurance becomes more expensive as you age, but what if you have a health problem or if you smoke?

It can be problematic finding affordable life insurance if you have a health issue such as an Abnormal EKG, COPD, or Asthma for example.

But, don’t despair.

First, you should keep in mind that not every life insurance company treats everyone the same and each company looks at an individuals’ unique situation to come up with a rating and premium. Each company may also rate a medical condition different than the next company.

Where some companies won’t even look at issuing you a policy, other companies will consider your application.

The same thing applies to smoking, e-cigarettes or even if use marijuana because in some instances if you use these products infrequently, you can even find non-smoking rates.

Your best approach to find companies if you have a medical condition or if you are a smoker is go through an independent agent such as ones here at Abrams Insurance Solutions because we can perform the comparison shopping for you and select the best and least expensive company for your particular situation.

Term Life Insurance Quotes for 49 Year Olds

Term life Insurance49 Year Old Male rated as “Preferred –Non Tobacco” health class which means only minor health issues.

Monthly Rates for Term Life Insurance – Male

$100,000 $250,000 $500,000 $1,000,000
10 Year Term $15.92 $28.83 $51.60 $91.00
20 year Term $25.55 $47.25 $86.85 $164.80
30 Year Term $41.83 $79.84 $152.69 $288.70

 

Term Life Insurance49 Year Old Female rated as “Preferred-Non Tobacco” health class rating which means minor health issues

Monthly Rates for Term Life Insurance – Female

$100,000 $250,000 $500,000 $1,000,000
10 Year Term $14.50 $24.38 $42.45 $75.70
20 year Term $19.43 $36.31 $65.55 $121.20
30 Year Term $32.38 $58.84 $108.25 $203.60

(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.

What Other Life Insurance Policies Can I Find if I am 49?

Term life insurance for 49 year old man or woman

Call us with questions or to discuss your life insurance options.

At age 49, your particular financial situation may require a different form of life insurance policy.

There are basically 2 types of life insurance policies and the first is term insurance which is the most basic form of life insurance and pays out death benefits only.

The other type of life insurance is known as Permanent life insurance. Every situation is unique and a term life insurance policy might not be suitable for your particular needs.

If you happen to own a large business or are in a high income bracket, have an estate, a permanent life insurance policy such as Universal Life, Indexed Universal Life, or a Whole Life Policy might make more economic sense.

Permanent life insurance not only provides death benefits but also has a cash accumulation feature which grows during the life of the policy. It also has other advantages because you can use it to protect your money (savings) from taxes or a volatile stock market. This sort of policy is also a really superb way to supplement or improve your 401(k).

No Exam Life Insurance for 49 Year Old Men and Women

There are many life insurance companies which now provide the convenient service of offering No Medical Exam Life Insurance. You can avoid the inconvenience of having to take a medical exam but should keep in  mind that this type of policy does cost a bit more to buy. The good news is that you can be approved as fast as 2 days or as quickly as 15 minutes. For those who can’t stand needles and are in a hurry to get a policy then this might be the best way to go for your particular situation.

Finding Term Life Insurance Quotes for 49 Year Olds

It doesn’t matter whether you’re in the best of health, or if you are a smoker, or even if you have a serious health problem as we at Abrams Insurance Solutions can help you with all of your life insurance needs.

Our company has access to over 70 of the nation’s leading life insurance companies available so we can find you the life insurance solution that suits you best.

If you are 49 and need life insurance, use the Instant Quote calculator or call us today at 888-905-0333.  Remember that we work for you (and not the insurance companies) and will help you save time and money on your life insurance purchase.

About Chris Abrams

Chris and his team work with clients across the country to help them navigate the insurance and financial world. His mission is to help people and businesses have the protection they need at the lowest possible price. He works on behalf of his clients and not the insurance companies. When not researching the latest financial and insurance topics, Chris can be found spending time with his family, traveling, cooking or running on the beach.

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