Life Insurance is a major part of your financial well being. It's essential that you consider how much life insurance you and your loved ones require, what type of policy is best for you based on your needs and finances, and choose an insurance company you can trust.
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As we age, we're at increased risk of developing underlying health conditions, which can result in higher mortality rates and higher life insurance rates. You'll typically pay less for life insurance at age 20 than if you wait until age 40. Waiting until age 60 usually means an even bigger increase in price.
Most term life insurance policies last 10, 20, or 30 years,but some companies offer additional five- or 10-year increments up to 35- or 40 years. Match your term length to your financial situation. Whole life insurance lasts throughout the whole lifetime of the insured person if the premiums are paid on time. You can also opt for the final expense policy when your term life insurance expires. Final expense life insurance will cover your funeral and other end-of-life costs.