Question 1

What is the maximum age for term life insurance?

Accepted Answer

When applying online, most products stop at age 75; however, if you are in excellent health, some companies can cover people up to age 85.

Question 2

How much does 2 million in term life insurance cost?

Accepted Answer

The cost of a 2 million dollar term life insurance policy is going to depend on the individual.  Your age, gender, lifestyle, and tobacco use will all help determine your specific price.

Question 3

What is the maximum age for term life insurance?

Accepted Answer

Most products stop at age 75; however, if you are in excellent health, some companies can cover people up to age 85.

Question 4

What is the best age to buy term life insurance?

Accepted Answer

If your parents don't already have life insurance coverage on you, when you turn 18, you should buy term life insurance coverage.

Question 5

At what age does term life insurance end?

Accepted Answer

Term life insurance doesn't end at a specific age; however, it does stop at the term length you purchase. So, if you purchase a 10-year term, the policy will end in 10 years, regardless of age.

Question 6

Can you get term life insurance at age 70?

Accepted Answer

Yes, several companies will cover you at age 70; sometimes, the limits of coverage may be lower, as well as the term length options. You should also expect to complete a medical exam.

Question 7

How much is term life insurance for a 35 year old?

Accepted Answer

A 20 Year $250,000 Term Policy for a 35-year-old male in perfect health will cost around $14.93/month.

Question 8

What happens if I outlive my term life insurance?

Accepted Answer

If you outlive your term life insurance policy, it will go into a renewal stage, and you can choose to keep the policy and pay a new premium or let it lapse. If you think you will need coverage for a longer time than you have left in the policy, you might consider a conversion.

Question 9

Is natural death covered in term insurance?

Accepted Answer

Yes, term life insurance is considered to have an all-cause death benefit. It will payout for a natural death or death from a chronic, critical, or terminal illness.

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