Life Insurance For People Aged 35 And Above
When we hit our early 30s, we usually think about the future and what our loved ones and family members will do should we pass away.
Applicants over 35 will be pleasantly surprised to learn that purchasing life insurance at this stage of life offers unique advantages. It may be one of the best moments in your life to get such a policy.
Special Life Insurance Deals For Those Aged 30 And Above:
A selection of policies to match every family’s needs. Terminal illness coverage is available at no extra charge (available on all term policies).
Benefits Include:
- Reliability – Honesty – Caring – Trustworthy – Amazing Prices – UK-Based Team
- Life Insurance Plans From under £7 per month
- Premiums For Younger People Routinely Better Than Some Other Insurers
- Specialist Life Cover For Over 30s That Gives Your Family Protection Without Straining Your Bank Account
- Positive Customer Reviews
- Non-Discrimination Quotes For Smokers and Vapers
Are You 35 Or Over And Need Cover? Compare The Leading Life Insurance Companies Below
Monthly Premiums for £150K Cover Over 20 Years – For Non-smokers
| Persons Age | Level Term Life Insurance | Decreasing Term Life Insurance |
|---|---|---|
| 35 | £7.33 | £5.37 |
| 36 | £7.88 | £5.63 |
| 37 | £8.47 | £5.92 |
| 38 | £9.11 | £6.27 |
| 39 | £9.80 | £6.61 |
Monthly Premiums for £250K Cover Over 20 Years – For Non-smokers
| Persons Age | Level Term Life Insurance | Decreasing Term Life Insurance |
|---|---|---|
| 35 | £9.82 | £6.64 |
| 36 | £10.79 | £7.06 |
| 37 | £11.39 | £7.55 |
| 38 | £12.15 | £8.14 |
| 39 | £13.03 | £8.72 |
Generally, applicants in this age group find it easy to qualify for life insurance, affordable on most budgets, and with many additional options to choose from.
By this point in life, we generally know how much insurance coverage will be needed and which premium payments will and will not fit into our household budget.
The best part is that applicants will be able to buy a 30-year term insurance policy that will not break the bank and will last until the age of 65.
Purchasing a life insurance policy at this age is a great choice, as most 35-year-olds are healthy and active, making life insurance more affordable.
Life Insurance Over 35 is Affordable
Because many people in their mid-to-late 30s are healthy and active, this is the perfect time to buy. Insurance companies are much more comfortable offering them life insurance coverage at a much lower price.
These policies often don’t require a full medical exam—many insurers offer this perk to win an individual’s business. For example, a 35-year-old man in good health can take out a £250,000 20-year life insurance policy and pay less than £7 per month in premiums, as shown in the table above.
It Is Easier to Qualify
As stated earlier, individuals in their mid to late 30s are generally healthy, meaning it is easy to qualify for life insurance coverage. If you are slightly under thirty, taking advantage of even cheaper premiums would be wise.
When qualifying someone for coverage, insurance companies will look at his or her overall health as well as the medications being used, such as high blood pressure, high cholesterol, diabetes, and other types of medications.
Since many people in this age bracket are healthy and medication-free, securing life insurance now is an important step toward getting a policy for you and your family at the best, most affordable rate.
Additional Options for Those Over 35
Applicants around age 35 also have several additional options that may not suit younger or older individuals.
This helps ensure you get the best possible price for your life insurance policy and secure a policy that fits your lifestyle and meets your needs.
Some options available to those over 35 include Whole of Life Insurance, Universal Life Insurance, and Return of Premium Insurance.
Any of the policies listed above should be considered as a possible alternative to the traditional term life insurance policies since at the age of 35 these options could be just as affordable as the standard options.
An applicant’s primary focus, however, should remain on getting the right life insurance coverage to protect his or her loved ones financially.
There is nothing wrong with shopping around. Once you know how much and what kind of coverage you want, gather quotes from many life insurance companies to see which offer best meets your needs and wants.
How We Can Help
Although it is important to compare different life insurance options and providers, the sheer number of options can be overwhelming. If you are having trouble sifting through the options, you may want to seek help and advice from a knowledgeable insurance advisor like Insurance Hero.
The professionals at Insurance Hero are here to help. They will walk you through options that meet your criteria and help you find the best policy at the best rate to protect you and your family.
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Steve Case is a seasoned professional in the UK financial services and insurance industry, with over twenty years of experience. At Insurance Hero, Steve is known for his ability to simplify complex insurance topics, making them accessible to a broad audience. His focus on clear, practical advice and customer service excellence has established him as a respected leader in the field.
