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Which company has the best *TERM* life insurance quotes for people over 50 ?

Obviously, people over 50 years old will pay a high premium--but is there a company out there that won't "soak the customer" , and at the same time are a reputable company ? In closing--I am not a fan of the 'colonial penn' type deals that plaster their commercials over the television.

Public Comments

1. a group of people who threaten to kill me like mutual of omaha.. and they falsely increased the premiums after noting they are very cheap for term.. the term of being harrassed for being a witness.. when they get upset i get an influx of life insurance notices and threats.. to co inside..
2. There are several top-rated life insurance companies that offer competitive rates for people over 50 years of age. You may want to get a free, no obligation quote online from several carriers using a quote provider like efinancial at http://www.term-life-online.com/efinancial.html Efinancial gives you quotes from A-rated life insurers. You fill out one form and get up to 12 of the lowest quotes available. If you like your rates, you can request an application. They have good customer service to help you with the process and answer any questions. By comparing multiple quotes you may save up to 50% on your life insurance premiums. Or, you could use a company that is well-known and reputable like Prudential. Prudential Life offers competitive life insurance quotes from a local agent in your area. You can visit http://www.term-life-online.com/prudential-life-insurance.html to learn more. I hope that helps! Best of luck to you.
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4. You're going to have to contact some local, independent agents to see who's writing term at a competitive rate in your age bracket, in your state. There's no "one size fits all" answer here. It's going to depend on your general health, and the length of term you're talking about here - and quite likely your gender. If you're looking for 20 year term, in perfect health, it's going to be about 5% of face value if you're male, as you'll likely not survive the term. If you're NOT in perfect health, it will be more.
5. Find a Primerica rep, in your area, and they will do the right thing for you. Make sure you compare the same policy to the same policy ...apples to aples.
6. there are plenty of top rated companies out there that can give you a quote. The only problem with quotes is that they are by definition not accurate because life insurance is priced on not only your age but your TRUE health. And the only way for an insurance company to get your true health is by you applying for insurance and going through their medical exam. One thing you may want to consider is that buying term insurance is basicaly betting that you are going to die with in the term of the policy... for example a 20 year term insurance policy you are betting that you are going to die in 20 years... so let assume you are 51, that means you would have to die by the age of 71 for your insurance to not go through the roof. With the advances in medacine these days the likelyhood of you dieing in 20 years is very slim... but you still are going to die someday. So the question you need to ask yourself is why am I buying this life insurance policy? Am I buying it to conserve my estate? Is it for business purposes? But if the reason is for a long period or there is even a slim chance that it could be extended longer than the term you are thinking about, term insurance is not the way to go. Remember there is always a price tag for what ever your reasons, the question is do you want to know that you are going to pay for it whole dollars, or partial dollars?
7. Can't name a company... but I've got some basic info for you; A. Make sure the company you use is licensed to sell in New York State (NYS has the best consumer protection laws in the US..... the poorer companies don't get licensed by them). B. Make sure the company will be around in 30 years. An "A" rating is not good. Learn the rating system by Moody's and stick with the top insurers. C. My wife is in your age group. She went for 30 year certain term. If she wants...... she can pay the same fixed premium to age 80!!!!! There are 10, 20 and some 25 and 30 year certain policies out there. D. Primerca is one of the worst insurers out there avoid them with the gusto you'd avoid "Penn Colonial Life". Of the "majors" their reps have a terrible reputation for selling inappropriate policies.
8. I would check out Primerica Financial Services. They do financial needs analysis for people for free. They also own the largest term insurance company in the nation, which is Primerica Life. It has AM Best Rating of "A+", meaning its financial strength and ability to pay its claims is superior. They placed more than $87 billion in coverage in 2006 and pay an average rate of $2 million/day in death claims. Primerica does not spend a single cent on advertisement, so that's why their premiums are pretty low. If they did spent money on advertisement, the cost will be spread onto the consumers. Anyway, Primerica is not an insurance company, they just own a life insurance company. They are a financial service company. Before recommending what financial product the client should have, the representative will need to find out your current needs and what is your goals? Every situation is different. How much coverage a person needs really depends on their current situation. If the person has debt, they got solutions on how to get rid of it. If the person wants to retire without ever having to go back to work, the financial need analysis can determine how much money the person needs to have save and representative may be able to find out where the person should allocate their money in.
9. There are a few things to consider when purchasing term at age 50: Your health and life expectancy. If your family members have lived well into their 80's or 90's, then even a 30 year term won't fit your needs over the long haul. Despite being renewable, if you live longer than the term, can will become costly.
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