CHEAP LIFE INSURANCE RATES FOR MEN

Written by Danny Ray

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Men and Life Insurance ~ Protect Your Family & Save Money NOW!!!

Life insurance policy for men

Be their Hero ~ Affordable Life Insurance for Men

What about affordable life insurance rates for men? While no one likes to think about death, the reality is we are not invincible. When people depend on you financially, not having life insurance is irresponsible. If you passed away, loved ones would inherit your debt and need to pay for your final expenses.

YOUR PAYCHECK DIES WITH YOU!!!

Protecting your family with life insurance is very rewarding. You could have peace of mind, knowing that thanks to your life insurance policy, your family will be financially secure if something were to happen to you.  You are the HERO of your Family and ensuring their future is kept in tact.  Even in your Absence!

 

CLICK HERE FOR BEST RATES!!

 

Why Is Life Insurance For Men More Expensive 

Men do pay more for life insurance premiums than women. Understand Why Now…

It’s true that men pay more for life insurance than women. In fact, this is because mortality tables show that women tend to outlive men by about five years on average. Furthermore, diagnoses of heart disease statistically happen earlier in life for men than women. Therefore, men are considered a higher risk by life insurance companies.

With all that being said,  finding life insurance for men and the most affordable insurance is still achievable.  For instance,  take a look at these charts.  40 vs 50 year old males.  The price difference if you put off purchasing life insurance.  The key to purchasing “Cheap” term life insurance,  the younger you are, the cheaper it is.

Life Insurance rates for men at 40:

Life Insurance

Life Insurance Rates for men at 40

 

Affordable term life insurance quotes for men at 50:

Men and Life insurance rates

Life Insurance Rates for Men at 50

As you can see above,  as you age, the rates increase.  All too many times our clients put off purchasing life insurance because of the following:

  • Too busy
  • Clients think they have plenty of time
  • Wait until my birthday ~biggest mistake in life insurance, as you age, prices increase!
  • The new year
  • I am healthy, I don’t need it
  • Have life insurance through my employment ~ That job could be gone tomorrow. Plan wisely!
  • Life insurance is too expensive  ~  What??!! Let me tell you something… You spend more on your daily latte at Starbucks!  And trust me I have calculated this, In one year if the average person buys a latte daily.  You spend $2,190 in ONE YEAR!  Now, life insurance does not look so expensive after all, Does it?

Do any of those excuses sound like YOU???

 

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Some of the Best Life Insurance Carriers for Men

Listed below are some of the Top A+ rated carriers that we like.  Remember,  your agent will be best to guide you through the process and answer ALL of your questions from start to finish.

  • AIG
  • Prudential
  • Banner Life
  • Protective

Just to name a few that offer cheap life insurance choices for men.  Each Carrier will look at you differently.  The following are what a carrier considers in their underwriting and approvals.

  • Age
  • Health history
  • Tobacco user/non user/quit? how long ago
  • Family history
  • Lifestyle habits/extracurricular ~ Special Risk Lifestyle we speak of this below…
  • Employment

 

CLICK HERE FOR BEST RATES!!

 

 

What Sort Of Things Affect The Cost Of My Premiums 

Stop Smoking for Better Rates and Overall Better Health!!!

Life insurance for males

Affordable Life Insurance For Men

 

Smoking, for one, will have a huge impact on your life insurance premium. In fact, smokers can expect to pay 2-3 times more for life insurance. That should give you enough motivation to quit. Since smoking often causes life-threatening health issues, even the top life insurance companies charge smokers high premiums. In fact, the number of cigarettes smoked daily can affect the rate.

 

Your physical health is another big factor. Those in poor health will pay far more in premiums. Before you apply, try to improve your physical condition. Exercising regularly and making an effort to eat healthier can go a long way. Of course, for those with pre-existing medical conditions, like diabetes, there is probably no way getting around paying more for your life insurance.

 

Life Insurance for Single Men

Death Happens! Don’t put that burden on your family!

Single men need life insurance too.  Death happens to everyone.  Just because you don’t have a spouse and/or children, does not mean you do not have a family.  As a matter of fact,  if you die, who will carry the weight of that financial burden?  Your parents and family!   That financial burden includes:

  • Your debt
  • Medical bills if any
  • Funeral/burial

You want to have enough coverage to cover your funeral and your debts.  Equally important,  the general rule of thumb is multiply your income by 20.  Reason being, your family will have enough to cover all funeral expenses, pay your personal debts and medical bills.  In fact, now is the time to get a policy in place.  The rates will not get any cheaper than they are right now.  Again, affordable term life insurance policies are easy to achieve.  Call your independent agent today! 

 

 

CLICK HERE FOR BEST RATES!!

 

No Medical Life Insurance Option for Men

Need a No Medical Exam Option? Get the Scoop Here!

In the event that you are finding it difficult to get covered, no medical exam life insurance policies for men are always an option. While guaranteed acceptance and the coverage begins very quickly, know that these plans are more expensive. Don’t fret and do not get discouraged!  Danny at PinnacleQuote has over 25+ years with the top carriers, and relationships with the underwriters, so he knows which carriers will be best for you and your family’s needs.  

 

Mental Health and Life Insurance for Men

Your mental health is also relevant to your life insurance rates. People with Bipolar disorder, for example, may be labeled a high-risk applicant because of their condition. Of course, every life insurance company has different medical underwriting, which is why it’s so important to shop around before deciding.

Lastly, if you frequently participate in any potentially life-threatening hobbies, such as rock climbing, hang gliding, skydiving, etc., then you may need to pay more for your life insurance. This is considered special risk life insurance. You get the idea — anything about you that is remotely life-threatening can cause life insurance companies to raise the rates of your insurance.

 

CLICK HERE FOR BEST RATES!!

 

About Term Life Insurance For Men

Term Life Insurance VS.Whole Life Insurance  ~  The Break Down Here!

As the name suggests, term life insurance provides temporary coverage. Choose between 10, 20, and 30 year terms. Term life insurance is the most affordable life insurance option.

However, it is also the most basic. Unlike whole life insurance, term life insurance does not create cash value build up. Term life insurance is a popular option for those that want to take out a life insurance policy for the duration of their mortgage, or until their children are adults.

As a matter of fact, your rates will vary from company to company. You can research life insurance rates by age so that you have an idea of how much it will cost you. Most of the time, the rates displayed annual premiums.

Here are some rates for males ages 20-80. These are the best rates by A/A+ rated carriers!

$500,000 Term Life Ages 20-80

wdt_ID Age 10 15 20 25 30
1 20 13.68 15.05 19.58 25.11 30.78
2 25 13.68 15.05 19.58 25.11 30.91
3 30 13.68 15.05 20.00 26.39 32.29
4 35 13.98 15.80 21.29 30.27 37.39
5 40 18.09 20.25 28.74 43.25 51.66
6 45 28.35 38.03 49.29 68.46 81.27
7 50 41.49 57.19 74.39 106.72 125.13
8 55 69.87 88.86 119.54 193.04 239.94
9 60 112.00 148.35 203.75 372.85 NA
10 65 187.25 270.25 394.69 NA NA
Age 10 15 20 25 30

 

 

Life Insurance For Men

Affordable Life Insurance Rates For Men

Final Thoughts On Term Life Insurance For Men

Waiting is RISKY & EXPENSIVE!!!! HERE IS WHY…

Waiting to buy life insurance is very risky, and it will also be more expensive. If you want to get cheap term life insurance, then you need to get it done soon. After all, getting life insurance while you’re young is much better than having to find life insurance in your 50s.  As you age, Premiums will Increase in price!!!!

Hiring an independent insurance agent is one of the best ways to get the most affordable term life insurance policy. As a matter of fact, an independent insurance agent will know which companies are more likely to offer you the cheapest rates. This can save you a ton of time, hassle, and money. On top of this, it’s good to have an expert on your side that can answer your questions.

 

CLICK HERE FOR BEST RATES!!

 

Life Insurance for Men ~ Why Choose PinnacleQuote

Let’s face it,  everyone is different. In fact, life Insurance for men is not a one size fits all.  Not everyone is a healthy, non smoking fit male.  This is where your independent life insurance agent comes in.  Although you can shop online for various carriers and compare, and that is great.   However,  we shop you multiple carriers at one time.  We find you the Best Price, Best Carrier and that is something at PinnacleQuote, we GUARANTEE! 

 

CLICK HERE FOR BEST RATES!!

 

Hard Truth from Danny Ray ~ Owner/Agent of PinnacleQuote 

Term Life Insurance

Danny Ray ~Founder/Owner of PinnacleQuote

Why You NEED Life Insurance NOW!

Being a family man myself, I understand the importance of wanting to protect your family.  From the moment your first child is born, that first breathe your newborn baby takes, you flash-forward to all the special moments in life.

  • Their first time walking
  • Pre-School
  • School dances
  • Proms
  • Graduation
  • College
  • Marriage

The list goes on!

To be honest, in order to keep all of what you envision for your family in tact, in the event of your death,  You NEED life insurance in place.  Otherwise, if you unexpectedly die, your paycheck dies with YOU!  All of those visions are gone!  

Your family will not only be left devastated, but financially overwhelmed.  

 

Cheap life insurance for men

Do You Have Life Insurance?

 

A little about me and my company:

I was born and raised on Long Island, N.Y.  Moved to Florida 13 years ago.  And although PinnacleQuote is based out of Jacksonville, Florida,  we are licensed in 49 states.  With 25+  thousand individual life insurance policies throughout my carrier,  my passion is still the same.  Being able to help you protect your loved ones!  In fact,  I have been doing this for over 25 years and I still love it!

Keep in mind, I work for you, not the insurance companies.  My goal is to make sure you secure your family’s future in the event of your absence.

 PinnacleQuote WILL get you the Best Price, Best Carrier ~ GUARANTEED!!! 

 

Any questions regarding life insurance for men or any life insurance issues, please feel free to contact us at PinnacleQuote (855)380-3300.  If you have a tight schedule and want to make a phone appointment for a specific day and time.  Call Lisamarie at (855) 380-3300.   Or email 904Lisamarie@gmail.com.

Lisamarie Monaco contributed to this article.

PinnacleQuote

 

For more information on Men’s Fitness:  CLICK HERE

Danny Ray & Lisamarie Monaco Contributed To This Article
Danny Ray & Lisamarie Monaco Contributed To This Article

Here at PinnacleQuote Life Insurance Specialists we always put the CLIENT FIRST!! We are not in the business of selling life insurance, but to educate, and provide the best options for you and your family. This way you can make the best choice to properly protect your family. We have over 300 life products available to tailor make a policy for any one of our client’s needs!

We offer the Best PRICE, Best CARRIER, GUARANTEED!

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