Another common fear that individuals have in purchasing a 30-year term life insurance policy is that if they have health conditions, will that prevent them from not getting approved? Absolutely not. Just because you have high blood pressure, high cholesterol, diabetes, or any other high-risk condition, does not mean that you'll get denied when applying for a 30-year term life insurance policy. What that does mean is that you may pay a higher rate. When applying for the life insurance policy, make sure to be transparent with the underwriters in sharing everything that you can about your condition. The more you share in the beginning will help your case when trying to get the approved coverage. Can you get a 30-year term policy without a medical exam? You sure can. This is sometimes called simplified issue or guaranteed acceptance life insurance policies. While you can qualify for these, it will most often be much cheaper to go the traditional underwriting route, but if you want to avoid the six- to eight-week process and you've never been denied for insurance, then getting a simplified issued policy will be as simple as answering a few questions and getting your policy delivered in approximately three business days.
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Choosing the right term for a term insurance policy is a tough decision. A 20-year term vs. a 30-year term…how do you know the difference and decide which one will suit you best? Let's examine your reasons for buying life insurance to help you select which term length is the best for your unique situation. Quick Article Guide: Choosing the Right Term Life Insurance Policy Reasons for a 20 or 30-Year Term Buying a 20 or 30-Year Term to Support Your Spouse or Children What Happens When the 20 or 30-Year Term Policy Ends? Choosing a 20 or 30-Year Term and Your Health The Bottom Line Coverage Amounts * Term Length * Choosing the Right Term Life Insurance Policy Each person and his or her family have their own unique circumstances. Also, each of you are at various stages of your life in terms of your careers, savings/investments, and financial situation. Let's assume you have already decided on how much insurance you want, but simply can't decide how long you want to have it in place. There's 2 ways to look at your situation – this includes where you stand right now and where you think you're going to be down the road (which means your future needs).
In this day and age when you buy something, it always comes with an extended warranty. It usually costs extra but the intent is to give you peace of mind for the lifetime of that product. Unfortunately, many of these extended warranties only last maybe another three, four, or five years. What if you could buy a product that offered a 30-year guarantee? Would that give you the peace of mind that you need? When buying life insurance, if purchasing a 30-year term life insurance policy, it will do just that. So many things can happen in our lives; new kids, new jobs, new homes, more stress. A lot of life situations can lead to drastic changes in our health. Where you may be a fit triathlete today, who knows what can happen tomorrow? Why not have the peace of mind of locking in a 30-year term life insurance policy when you're at your best health? I'm amazed when I talk to young individuals that only want to purchase a 10-year term life insurance policy, or sometimes a 20-year term life insurance policy.