What life insurance

Senior Life Insurance

Seniors are the fastest growing segment of our country’s population. But applying for insurance when you’re a senior can be frustrating. The insurance companies want to charge you more, regardless of your health, simply because of the year printed on your birth certificate. Instead of paying more, we want you to pay less. We’ll help you find the right coverage at the right price.

Wholesale Insurance is a family-run company, in business since 1972. Over the years, we’ve made great connections within the industry that help us find reasonably priced policies for seniors.

We’ll bring you quotes from over 50 of the nation’s top insurers, including top-rated companies like MetLife, Genworth, Banner, and John Hancock. We help you through the application process, start to finish. You can always call us and ask questions or talk about your options with a real, live person. Our insurance advisors are fantastic, and they know all the ins and outs of the application process.

Call us at 1-800-823-4852 for a personalized consultation or click the button below to get started.

The Life Insurance Market for Seniors

It’s no secret—the life insurance playing field changes when you hit age 50. Traditional life insurance is medically underwritten, meaning you’d need to take a medical exam to help determine the price of your coverage. We know that’s not going to work for some of you. Depending on your health, you may want to look into two types of policies that don’t require a medical exam: no-exam life insurance and graded benefit life insurance.

Here are the most popular types of life insurance for seniors:

  • Term life insurance is the most popular option. It’s the easiest, cheapest way to go. If your health is good, this will be your most affordable option.
  • No-exam life insurance is more expensive, but lets you skip the medical exam usually required to

    buy a policy. Graded benefit polices are a more affordable type of no-exam life insurance, usually only available for those 50 and up. We included more information about this type of policy below.

Call us at 1-800-823-4852 for a personalized consultation or click the button below to get started.

Shop Around: The Best Way to Buy a Policy

The good news is that we’ll do most of the work for you. Here’s how to get the ball rolling:

  1. Compare quotes to find the best price. You can do this two ways: Call us and have us pull quotes for you over the phone at (800) 823-4852.  Or click here to use our easy online quote form .
  2. Fill out an application. We can do most of this for you. Just give us the information over the phone, or you can do it online if you use our online quote form first.
  3. If the life insurance company approves your application, sign your contract and send in your first payment.

If you’ve had trouble getting approved for coverage, call us now at 800-823-4852 and speak with one of our experienced insurance advisors!

Senior Spotlight: Graded Benefit Life Insurance

If your health history makes it difficult or impossible to get approved for life insurance, our graded benefit whole life insurance policy is the solution. It can provide your family with up to $50,000 of tax-free proceeds when they need it most. Here’s the good news: YOU CAN’T BE TURNED DOWN.  There are NO medical questions. NO medical examinations, and NO medical tests. In return, your policy’s death benefits are limited during the first two or three years of the policy (depending on which policy and carrier you choose), but are 100% guaranteed after that.

If you’ve had trouble getting approved for coverage, call us now at 800-823-4852 and speak with one of our experienced insurance advisors!

Source: wholesaleinsurance.net

Category: Insurance

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