Term Life Insurance-Term Life Insurance Rates

Oops I did it again~ asked:


I would like to know what a typical premium is for term life insurance? I’m in a situation where if i die, there will be people that may struggle financially. I know there are many variables but just based on typical scenarios? I’m 30, healthy and i would think $500K would be enough to handle the bills if i wasn’t around… I know i won’t get it until i know it’s very necessary and I plan to do more research but just curious.
Thanks

Emanuel Ahlbrecht

honey_08 asked:


Also is it better to just by a plot burial and lock in the rates today, my job does not offer life insurance and i would like some type of reassurance for my family if i were to die. I’m in the 25-35 yr range group, can anyone suggest polices or explain them altogether!

Aurelia Kragh

RobA asked:


That is, can they get it without my consent? (I would think no) Would they ask me to disclose? I am a smoker and seek medication to stop. 6 months down the road I want to get term life insurance. Wondering if they check what meds I’ve taken.

Anne

sngrlissy asked:


I can get a better rate on new term life insurance because I do not need a medical exam from AAA but I take a prescription for high blood pressure which has been controlled for many years but my current policy has a red flag in there for it from 20 years ago. Do I have to tell AAA about the prescription for high blood pressure and the fact that I already have a policy now because if I do I fear I won’t get the advertised rate which will kill the savings. Opinions appreciated.

Kenneth Dallen

RobA asked:


That is, can they get it without my consent? (I would think no) Would they ask me to disclose? I am a smoker and seek medication to stop. 6 months down the road I want to get term life insurance. Wondering if they check what meds I’ve taken.

Augustus Updegraff

asked:


I have seen around the internet that the maximum term life insurance policy allowed for a person in their 20s is usually 20 times their income. However, I was wondering if there are any policies that take into account the combined household income. If a husband and wife both make $40,000 a year, are they entitled to a policy that is based on $80,000 of combined income, or are all policies handled on an individual basis?

Roscoe Demaline

libertino85 asked:


Can you still get term life insurance if you have been diagnosed with sleep apnea? If so, will this increase the cost of the insurance?

Charity Feist

matha asked:


I know individual circumstances apply, but there must be an average monthly cost somewhere.

33 years old,
Looking for term life insurance, 500K

I was just given a monthly quote for $28 per month

Ji Vitt

Chris asked:


My wife and I currently have 65 life insurance which we pay about $130 per month for the two of us. After listening to her friend Suze Orman she wants to get rid of the 65 life and get term life insurance. 1st question is what do you think is better and 2nd is how easy is it to settle your current life insurance to cash out and if you stay with the same company can you roll your current $value into the new term life?

Thanks

Leslie Buja

Seacanary asked:


should you get direct term and what is thebest price you should pay for a non smoker age 35-39?

Porter Elwick