life insurance for 76 year old woman

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PostPosted: Sun Mar 13, 2011 3:40 pm   Post subject: life insurance for 76 year old woman  

I need to get life insurance for my 76 year old mother, in the range of 100000. Who offers this, and what does it cost?.


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glinda
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PostPosted: Sun Mar 13, 2011 6:11 pm   Post subject:   

Lots of companies offer it, depends on her health and how long you want the coverage guaranteed. You can either buy term insurance guaranteed for 10 or 15 years, or guarantee the coverage forever. At her age, this is pretty much your last chance to get coverage because if you buy a term policy now, you won't be able to buy another one later since she will be too old at that point.



Assuming you want the coverage guaranteed forever, if she can qualify for preferred the rates would be $3300-4000 per year. If she can qualify for standard rates (a couple levels below preferred), approximately $3900-5000 per year. Term insurance rates would be somewhere between $1700-3200 per year depending on her health/number of years guaranteed. If she is in substandard health, the numbers I just gave would not be valid.



Does she have any medical issues? You can click the website in my signature line to run some instant quotes based on what's available in her state.



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PostPosted: Mon Apr 23, 2012 9:41 am   Post subject:   

If you're over 50, don't be discouraged because there's still a good life insurance policy out there for you. The trick here is to conduct as much research as possible so that you can get a good and attractive package.

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