Best Life Insurance Rates for 35 Year Olds

Life Insurance For A 35-Year-Old

If you purchase life insurance when you’re 35, you’re making a good decision for three good reasons:

• You’re probably in good health as most 35-year-olds are fairly healthy.
• You also know how much coverage you will need.
• Life insurance companies are getting aggressive in their competition for your business.

When you purchase life insurance at 35, you’re most likely going after a term life insurance policy rather than a whole life insurance one.

What does it mean by purchasing term life insurance?

The level of term life insurance coverage typically ranges from 10 to 30 years of coverage.  Many financial advisors will recommend people of this age range to purchase term life insurance because the older people get, the less insurance they typically need. It all depends on your specific goals and what your life insurance policy will cover.

How Easy Can You Qualify For Insurance In Your 30s

Believe it or not, you can easily purchase a life insurance policy in your 30s because many people of this age range tend to be quite healthy. 

While 35-year-olds tend to feel older than they once did in their 20s, they usually haven’t been diagnosed with anything major. That usually occurs in the upcoming decades like in your 40s, 50s and 60s.

It’s imperative to purchase a life insurance policy now before you turn 40. Why? As you get older you have a higher chance of getting diagnosed with a major health condition. This can hinder your ability to get affordable life insurance. Rates in your 30s can be significantly less compared to when you reach your forties.

Related Article:

Life Insurance Rates by Age

You Have More Choices To Pick From

At 35, you have more choices to pick from when in the market for affordable life insurance. 35-year-olds are often very healthy, which means their rates will be fairly low right now. 

Life insurance companies know this and competition is high for this age bracket. Take advantage of this competitive market while you can.

It would be in your best interest to look at the various kind of life insurance policies including

• Return of Premium Insurance policies
• 20 and 30-year Term Life Insurance policies
• Guaranteed Universal Life Insurance policies
• Whole Life Insurance policies

Should You Choose A No Exam Life Insurance?

There are a quite a few life insurance companies that offer No Exam Life Insurance policies. These policies will cost you a little more cash, but you don’t have to go through a medical exam. 

In fact, more and more companies are offering a no exam option. This is bringing down costs as life insurance companies know that a no medical exam policy is becoming more popular.

Depending on the life insurance company, the policy can be drawn up within 15 minutes after a request for the insurance. If you despise the idea of a medical exam or in a hurry for life insurance, this may be the right choice for you.

What about Guaranteed Universal Life Insurance?

There are some life insurance policies that never expire such as the Guaranteed Universal Life Insurance option. This is often sought by people in their 40s, who want the least expensive life insurance they can get. It’s a permanent life insurance policy that retains a policy’s premium level.

How Can You Save Money On A Life Insurance Policy?

If you want an inexpensive life insurance policy, you need to reach out to an independent life insurance broker. They will work hard to locate the best possible rates from the best companies serving your area.  They will sit down and explain each individual quote and compare them to one another.

If you have no health complications, you can get an idea of how much you’d pay for life insurance by using a free quote calculator. These quotes are current, which makes close to the real price you’d pay for insurance.

Life Insurance with Health Conditions?

If you suffer from any medical condition or your medical history is a bit convoluted, it may be a good idea to speak with an agent via a short phone interview. The agent will ask you several health questions. The information you provide will allow the agent to reach out to companies that can offer you a reasonably priced insurance policy.

The process can take an individual several days to find on their own. However, with an experienced company by their side, it can take less than a day. If you are overweight/obese or would like to learn about the various life insurance policies offered, then you need to reach out to a highly-knowledgeable agent who can assist you.

What You Need To Remember

When you’re in the market for a life insurance policy, you want to work with an independent life insurance agency. There is so much information and misinformation about life insurance policies to wade through, which is why you need to reach out to a reputable independent agent to assist you. You should also check out our free quote calculator to help you determine about how much money you’d pay in premiums each month.

Life insurance is something you should always have – for yours and your family’s protection.

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We’re independent licensed agents who would love to help answer all of your questions and provide you personalized life insurance quotes from dozens of top rated life insurance companies. We look forward to helping you secure and protect your future.

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