December 7th, 2006 | 
Author: 
Kathie asked:
67 year old male whose had heart surgery,but doing well,on antidepressants and a cpap needs term life insurance. what is the most affordable in your experience ?
Doloris Maker
67 year old male whose had heart surgery,but doing well,on antidepressants and a cpap needs term life insurance. what is the most affordable in your experience ?
Doloris Maker
Posted in Insurance | 
Tags: Antidepressants, Cpap, Heart Surgery, Insurance, Life Insurance Questions, Seniors, Term Insurance, Term Life Insurance
When people think about life insurance for seniors, they usually think about whole life insurance or final expense policies. A 70 year old may not find 30 year term insurance, but with reasonably good health, can find an affordable 10 year term policy. If you want lifetime coverage, or have serious health problems, consider whole life insurance.
We can find you affordable term life insurance for middle aged and older people, and even term life with no medical exam, but rates and plans vary by location, an applicant’s health, age, and the type of life insurance. It may be more difficult to find large amounts of coverage as your age, but you may be able to combine policies from different life insurance companies for coverage you need. Compare best life insurance for you:
You can get quotes from different companies in your area here
linsurance.notlong.com
Try it and you will find something that fits your needs.
Honestly, considering the medical health history, it may be expensive and possibly limited as to the life insurance available in these circumstances.
Graded benefit life insurance may be one of the only options available. The death benefit is limited and not fully available until the insured has owned the policy for 1-2 years.
There may be other options, but you may want to check with a local licensed life insurance agent, or visit a life insurance website online and compare multiple quotes for life insurance to find out what may be available for term life insurance.
I expect the premiums may be quite high. I wish you the best.
You need to get a more complete history on the cardiac condition he had, depression, and sleep apnea. These are three different risks that each need to be explored before you could even “shoot from the hip” on quotes. It’s possible that any one of these could knock him out of a normally underwritten life product. Guarantee issue might be a solution, but you could kill the sale by recommending it, and he might be better served with another choice.
Hook up with an intelligent up-line that will be able to coach you through these situations or pass on the opportunity.
make use of the SE like google or yahoo to get some ideas first if you want to get the massive information,however if you do not want to spend so much time,here is a direct and good resource for your questions.
There are tons of life insurance companies out there; I suggest you browse through a variety for the best possible rates. Ultimately the discrepancy is going to be small.