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That’s why it doesn’t matter if you’re 51 or even 57 years old; you should buy a term policy for a length that matches the amount of time you’ll need coverage.

You don’t want to buy a 15 year term policy at age 53 if you just refinanced your home and need coverage for the next 30 years to cover your mortgage.

But if he needs it longer, the premiums will increase in policy year 16 substantially.

But that’s ok because this individual can let his coverage go at this point if he no longer needs it.

Let’s say a 51 year old purchases a 10 year term policy.

At the end of the 10 year term, the policy does not just cancel itself.

& Limited Options as We Get Older Before discussing the type of life insurance you need, you first must understand the following considerations as we get older. The typical life insurance purchaser is buying it for income replacement – money for his or her spouse to replace lost income.

They are both important for you deciding on the type of insurance you’ll buy. Here are a few more: If your goal is income replacement, you probably only need a 10 or 15 year term.…

We only recommend a longer term in your 50’s if: So don’t let an agent talk you into a long, expensive term unless you actually want or need one.An independent agent’s job is to shop the market for the company that will be best for YOU and your particular health concerns.So, rest assured, whether you are coming to us as a healthy, non-smoker, or if you have pre-existing medical conditions such as diabetes, previous bouts with cancer, heart troubles, weight issues or are a smoker, we are experts at helping you find the most affordable premiums from the highest rated insurance companies.In order to find the best quotes for life insurance at 50, you need to understanding the different types of policies available to you. In my experience, 90% of individuals only need 10, 15, or 20 years of term life insurance coverage. Perhaps you are receiving or planning to receive a pension or social security that does not have survivor benefits and your spouse will depend on that income. For others, you may just want to leave an inheritance to your spouse or children, so your life insurance needs have nothing to do with income replacement. There are also those affluent families and individuals who have sizeable estates, who need life insurance to pay estate taxes to Uncle Sam.That situation also calls for a permanent solution.

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