Senior Term Life Insurance- No Physical, Fixed Premiums, No Problem!
Is Senior Term Life Insurance the right answer for you?
If you're between the ages of 50 and 80, then the answer to your question may very well be yes! Senior Term Life Insurance is a great alternative for seniors who want a policy to meet their special needs.
In fact, you'd be surprised as to how flexible different policies can be. Some policies may require a lot of health information and a medical exam, which could lead to a lower premium if you're in good health.
On the other hand if you don't like doctors or want to protect your privacy, that's fine too! There are lots of Senior Term Life Insurance policies out there that allow you to go without an exam or answering health questions.
You may also be surprised to hear that you can purchase policies with premiums that never increase!
The way these policies often work is that for the first two years of the policy, both accidental deaths will pay full benefits while a non-accidental death only pays partial benefits. However, after the first two years of holding the policy either kind of death will pay full benefits!
One more great benefit to senior term life insurance policies is that they often build up tax-deferred cash value that you can borrow against. This means that besides just paying into your life insurance policy, you're also building a savings account at the same time!
With all of these benefits of senior term life insurance policies, I hope you sincerely consider looking into a good provider for it!
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