Low Cost Life Insurance for 39 Year Olds

Low Cost Life Insurance for 39 Year Olds

If you’re looking for low cost life insurance for 39 year olds, then look no further because we can help you find the right policy at the lowest cost for your situation.

Choosing the right kind of life insurance policy can be challenging if you don’t know much about life insurance.

But, here at Abrams Insurance Solutions our independent agents will shop over 70 companies so we can help you find low cost life insurance.

1. Comparing life insurance types
2. Term rates
3. Permanent life insurance
4. No exam life insurance
5. How Abrams can help

Even if you smoke tobacco, marijuana, or have a health-related issue we can still help you find the best policy at the most affordable rates because we do the comparison shopping for you at any age.

Comparing Low Cost Life Insurance for 39 Year Olds

The most affordable form of life insurance is called “Term Life Insurance” and it is the most basic type of life insurance available.  All you have to do is select the term you need the insurance for such as 20 or 30 years and the amount of death benefit.

Standard term insurance policies require a medical exam which is paid for by the insurance company.

Although you see a lot of ads these days that talk about the convenience of “No Medical Exam” Life insurance, the one thing they forget to mention is that these policies are more expensive than a standard policy that does require an exam.

This is especially true if you are young and healthy, like most people in their 30s.  So, if you need low cost life insurance for 39 year olds, then a standard policy with an exam will save you money.

Sample Low Cost Term Life Insurance Rates for 39 Years Old

Check out these samples of term life insurance rates.  We have shown the rates for various terms including 10 years, 20 years, and 30 years.  The death benefits are for $100,000, $250,000, $500,000 and even for $1,000,000.

Life Insurance for 39 Year Old Male – Rated as “Preferred Best-Non-Tobacco” health class which means non-smoker and in good health

Monthly Rates for Term Life Insurance – Male

Life Insurance for 39 Year Old Female – Rated as “Preferred Best-Non-Tobacco” health class which means non-smoker and in good health.

Monthly Rates for Term Life Insurance – Female

(Life Insurance Calculator) – If you wish to research your own quotes and compare life insurance for 39 year olds then try our easy to use life insurance calculator which can be found on the right hand side of this page)

You can also compare rates for your current age against waiting until your 40s to get life insurance.

Permanent Insurance for 39 Year Olds

Term life insurance might not be the best choice so you have other options which can be found through Permanent Life Insurance which include Universal Life, Indexed Universal Life, or Whole Life.

A permanent life insurance policy will safeguard and protect your money in several ways.  A permanent insurance policy can safeguard your savings from taxes and from volatile market conditions.  This type of policy is also an excellent approach to supplement or enhance your 401(k).

No Exam Life Insurance for 39 Year Olds

Another option being offered by many life insurance companies is No Exam Life Insurance. These policies are a little bit more expensive to purchase but you can avoid having to bother with a medical exam and you can can get a policy quickly such as in just a couple of days or as fast as 15 minutes. For those who are squeamish about needles, want convenience or need a policy fast then this could be the best route to take.

Finding Low Cost Life Insurance for 39 Year Olds

Whatever your health concern or your financial needs we can help you find the right kind of policy that you need for your family.  At Abrams Insurance Solutions we will work on your behalf to secure the lowest rates on life insurance at 39 years of age.

Call us at 858-703-6178 and we can get your life insurance application started right now.