Best Life Insurance Blog

Thank you for visiting Huntley Wealth Insurance’s website, where we help our clients get a wide range of life insurance solutions from 25 year level term life insurance to permanent insurance with level payments to age 120.  We offer life insurance up to age 90, so even if

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Thank you for visiting Huntley Wealth Insurance’s website, where we help our clients get a wide range of life insurance solutions from 25 year level term life insurance to permanent insurance with level payments to age 120.  We offer life insurance up to age 90, so even if you are visiting our site and are not 58 years old, we can still help.

Are you a 58 year old male who is completely healthy taking no medication? You’ve come to the right place.  But we also specialize in obtaining affordable coverage for unhealthy individuals. So if you were told you have depression or epilepsy, or whatever else you can think of, you as well have come to the right place!  Call us at 877-443-9467 for quotes or use the form on the right.

25 Year Term Insurance Coverage Being Treated for Health Concerns
A couple life insurance companies are more forgiving on particular health concerns than other carriers. Let’s assume in the past you had high cholesterol, as an example. Every company is going to treat that issue differently. So the wisest strategy to find low cost life insurance with health impairments will be to apply for coverage with the company who will be most understanding on your unique health history. Call us at 877-443-9467 so we can help you decide which company will be the best one to apply to.

Sample 58 Year Old, 25 Year Term Insurance Quotes
For a male, healthy non smoker:

Face Value                             0,000                 0,000

58 Year Old Male               6.71/month       3.73/month

*Premiums are subject to increase.

What Affects My Rating?

The five variables which determine your premium are 1. Age 2. Gender 3. Health Rating 4. Amount of Coverage 5. Length of Term. Lower premiums are charged to females, younger people, healthy, needing less coverage and a shorter term.  If you’re a non smoker, you’ll also pay less.

Term or Whole Life Insurance at 58
Most of our clients only need term life insurance. Term is generally more affordable than whole life and serves to meet a temporary coverage need, like 15 to 25 years. That’s because life insurance is often needed to replace income lost in the event of a family member’s unexpected passing. So if you think you will work 15 more years, a 15 year term policy may do the job.  However, a 25 year term will probably take you well beyond your working years, if you’re 58 now.  Term life insurance does not build cash value, so if you cancel it, you won’t get any money returned to you. 10 year term means to say the premiums cannot increase for 10 years, and 15 year term means the premiums are guaranteed to stay level for 15 years, and so on. Whole life insurance provides guaranteed coverage, and builds cash value. If cash accumulation is not your goal, you will really be a better candidate for a guaranteed universal life policy to age 100, which still offers guaranteed level premiums for life, but will accrue little to no cash value.

I Want to Buy Term Life Insurance – What’s My Next Step?

Please get a free quote using the form on the right. On the following page, you may request an application for the policy you’d like. Please note if you use our quote form, quotes appear on the next page. We know other insurance sites require many pages of personal details before providing quotes. Or call us at 877-443-9467 for 25 year term life insurance quotes by phone.

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