At 39, it’s easy to qualify
Being in your 30s when purchasing a policy is generally very easy to do. At 39, you are in generally good shape and even though you might think you are getting on in age, in comparison to being 29, most are not diagnosed with a preexisting condition that start showing up the older you get.
Ailments that might creep up later on in life should show you it’s important to lock in your coverage before something might show up. While you will still qualify for insurance with various ailments, getting the coverage you want is going to cost more the older you get. Some of these health risks include:
- High blood pressure
- High cholesterol
- High blood sugar
Your agent will work with you to help make sure you get the best rate no matter if you are in perfect health or have a health risk. Your agent will use a health risk assessment in order to find the right company. Since every company looks at your health differently, your agent will find the one that will look at your health the best. This can save you thousands of dollars over the life of your policy.
You have more options at age 39
Because most people who are 39 are in pretty good health, the starting rate is going to be quite low. That means this is the perfect time to look into different options that are available including:
- Return of Premium Insurance policies.
- 25 and 30-Year Term policies.
- Whole Life policies.
- Universal Life policies.
At 39 years-of-age, you are in a great age group with many options depending on what your needs are. You can get coverage for your entire life or at least an insurance policy that is a longer term such as a whole life insurance policy or a universal life policy. If you are not sure what policy is best for you, contact us! We will be happy to go over some policies and different options that would be great for you.
Another point that should be addressed is how you earn a living. We know that many people are now just starting a family but their income just isn’t cutting it. You might have a million reasons for purchasing term or whole life insurance but if you don’t have the funds to make it happen, what then? We have several articles that we share based on our many years of experience. We have worked with thousands of people regarding their incomes. When filling out an application, one of the first questions you will be asked is what you do for a living and what is your estimated annual income?
This is two-fold, the first covers whether you are in a profession that has many risks such as an airline pilot or an explosion expert. The second, will you be able to afford the policy you are looking into.
Best life insurance rates for 39 year olds
Let’s face it, most people purchasing whole or term life insurance policies are looking to provide for their loved ones to ensure they will have financial protection should you pass away. At LIB, our goal is to help you and your family secure financial security and independence and we want to share this information with you. We welcome you to visit our site and read up on the various life insurance policies and read through insurance quotes.
So now you have a good idea of how much you may pay for coverage at age 39. But what types of policies are available to you? What type of life insurance policy should you purchase?
Find those answers and more by visiting our Life Insurance 101 and our Life Insurance Types pages.
For free quotes, visit our Life Insurance Quotes page. If you’re looking for other life insurance ages, be sure to visit Life Insurance Rates by Age.