December 31, 2018 - voltus - Insurance - 109 views
If you are a senior citizen, you should approach the subject of life insurance, cautiously. There is a Life Insurance For Senior Citizens, really..!!
There are many legitimate sources of information and price quotes for senior citizen life insurance. generally, you can expect to get a whole life policy for final costs, reasonably priced.
Do not pay for term life insurance if you are a senior. You require whole life insurance that is constant. Whole life will give you with premiums that never change. The face value or death benefit of your policy never reduces and there is guaranteed money value.
Most whole life policies for seniors have a first day full benefit. What this signifies is, that you are covered for the full face amount of the policy starting off on the day that the policy is issued.
Other policies are “graded benefit” policies. These are even whole life and still have guaranteed premiums, death benefit and money value, regardless the full face amount or death benefit of the policy doesn’t go into consequence until one, two or 3 years have passed. This is commonly due to poor health.
You could be surprised to find, anyhow, that even with diabetes and other common health complications, you are even eligible for a first day full benefit policy.
Commonly, seniors pay for policies of $15,000.00 and less. The average cost of a funeral in America right now, is about $6,500.00 and cremation could be as high as $3,000.00. Whichever possibility you pick as your final wishes, a final expense whole life policy will safe-guard your loved ones from being burdened with the cost of your burial
December 31, 2018 - voltus - Insurance - 167 views
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