We specialize in helping individuals between the ages of 50 and 70 with their life insurance needs.
No matter what your health history is, you can be sure that if you are 64 years old and need life insurance coverage, we can help you with your needs.
Customers in the 60's come to us anywhere on the health spectrum, from being in excellent physical condition and not taking any medications. , with high risk medical disabilities, such as a history of cancer, stroke or heart disease.
Is Term or Whole Life Insurance better at 64?
"Should I buy a life or full insurance?" is a very common question I get.
When someone asks me how long a term they should buy or if they should buy a lifetime or a lifetime, I ask, "do you buy this life insurance because you need it for a certain period of time, or because you want it for the rest of your life? ”
This is an important distinction.
Most people buy lifelong insurance to cover the loss of income in the event of death and only need it for a short time time period until they retire.
Others do not care if they retire or not; they want coverage in place for as long as they live. For these clients I recommend the entire life insurance.
Be sure to compare a 30 year-old quote with a "Level to Age 100" or "Level to Age 121" quote. The 30-year sight policy provided by Genworth is usually 40% cheaper and will still provide coverage all the way to age 94. to carry most 64-year-olds over their pampering life expectancy, but you take the risk of living after the age of 94 and facing a significant premium increase at that time.
Some jokingly say: "There is no way I live over 80 years!" For them, a 30-year period would be perfect.
RELATED: 5 Critical Tips You Must Know Before Buying Life Insurance
Special Considerations At Age 64
When life insurance companies assess an applicant, they & # 39; Think about health, smoking status, look for any dangerous hobbies, travel or profession, and also consider your height and weight.
Height & weight
When it comes to height / weight, all companies publish a construction table that shows the maximum you can weigh to qualify for a certain classification class. It is important to understand that some companies use a different, lighter construction table for people who are 65 years or older.
Let's look at an example.
A 64-year-old man who is 5 & # 39; 10 235 pounds would be classified in the Select class at Genworth because of building (their third best class). One year later, at age 65, the same man, if still the same height and weight, could qualify for Genworth's Preferred Class, their second and best class, as Genworth uses a more forgiving construction table for people who are 65 years or older.
For most of our customers who are 64 years old, we discuss how the knowledge that you may be able to qualify for a better course next year can influence your decision today about which policy you apply. for.
Existing health conditions?
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Life Insurance Approval Tips At Age 64
Since companies can penalize for certain health issues, be sure to use an independent agent for your needs. You want to use an agent who knows the special weight charts for people over 60, for example, or where to take your case if you have any other medical conditions.
Also make sure that your health records are in order. For example, if you quit smoking recently, be sure to go to your doctor and tell them so it says in your records.
RELATED: Check Examples of Life Insurance Rates by Age (No Personal Information Required]
Examples of Life Insurance Rates for 64-Year-Olds
Below you can see some examples of life insurance rates for a 64-year-old, male, non-smokers and a non-tobacco female user We have illustrated the best possible prices that an applicant can qualify for, so remember if you are taking medication or have had serious medical conditions, you may not be able to qualify for
Best 15-year life insurance rates for a 64-year-old non-smoker
|Age||$ 100,000||$ 500,000|
|64-year-old man||$ 839 per year||$ 3535 per year|
|64 years Old woman||$ 529 per year||$ 2155 per year|
* The quote may change, as insurance companies often have price increases.
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The quote is fast, easy, and free!  Get a full and lifetime insurance quote at age 64
What I recommend you do if you want to buy life insurance at 64 years is to get a quote using the form on this page [ If you not sure which classification to use, start with "Regular", and if you have any health problems, be sure to call us at 888-603-2876 .
What I recommend you do if you want to buy life insurance at 64 years is to get a quote using the form on this page [
If you not sure which classification to use, start with "Regular", and if you have any health problems, be sure to call us at 888-603-2876 .. 19659056] * While we do our utmost to keep our website up to date, please be aware that "current" information on this site, such as estimate information, or relevant company information, may only be accurate from the last day of editing. Huntley Wealth & Insurance Services and its representatives do not provide legal or tax advice. Please contact your own legal or tax advisor.