Your life insurance coverage needs have just begun. It may be just you and your spouse right now. Once children join the household, your most important obligations will have arrived. Their well-being as they grow and eventually leave the nest, will be the most important factor in your life insurance coverage for the next couple decades.
The premiums for life insurance in your thirties are amazingly affordable. Especially if you are in excellent health, making sure your household is protected financially until your kids are on their own will be very easy on your budget.
You may have a mortgage. This is another important consideration. If you are in a small business partnership, life insurance can be a key support in the event of a partners unexpected death. Let Ogletree Financial shop the top insurers to get you the best deal on the coverage you need.
The demands on your income may be a ta peak in your forties, your household full and your salary growing. The expense of your children’s education will soon be a reality, or it already is. If you are building a small business, protecting your hard-earned interest in that enterprise should be a priority You might even be making serious plans for your retirement.
The level of debt you are carrying may be at a peak in your forties. Mortgages, personal loans and credit cards are a fact of life you are proud to bear for your family. You don’t want the unexpected death of you or your spouse for that matter to place the ones you love in an unwinnable financial dilemma.
As far as your premiums are concerned, they aren’t that much higher than for those in their thirties, especially if you are healthy. Life insurance in your forties is a smart investment for the ones you love the most that will be easy on your budget.
By your fifties, your life insurance needs may be shifting. Your children are on their own and dealing with their own life insurance needs, relieving you of some significant financial responsibility. You may be able to see your retirement on the horizon.
Your household still relies on your salary just as it did in the past. Financial obligation is still very real. Mortgages, small business coverage and your retirement may all remain as important life insurance considerations.
Whether you are already insured and need to update your coverage, or you are looking at life insurance for the first time, the premiums in your fifties are still very affordable. After we assess your personal risk factors we find the policy you need from among over 40 of the nation’s top life insurance companies.
Life insurance in your sixties is not as expensive as you think. If you have waited to buy life insurance and think it is too late for you to afford the premiums, think again. Ogletree Financial is a broker agency representing over 40 top insurers. Our marketplace knowledge can lead you to the life insurance product that is the right choice for you and your loved ones.
Many of the reasons you would buy life insurance in your thirties and forties still exist in your sixties. Your kids may be on their own, but is the mortgage paid off? Your income is almost certainly still an important support for your household’s day to day expenses.
If you have invested your life in a small business partnership, it would be a shame for all that hard work to slip away when a partner dies unexpectedly. Life insurance can protect your sacrifice.
Life Insurance in your seventies?? It’s true!! There are many reasons to purchase life insurance in your seventies. The number of those employed in their seventies is rising. What does your salary do for your household? Are you still building on your retirement strategy?
If you are concerned about your health, you may not need to be. A client who is seventy-three with high blood pressure, controlled with medication diet and exercise is probably less worrisome to a life insurance carrier than the same issue for a client who is thirty -seven.
If cost is an issue, talk to us anyway. Ogletree Financial Services shops over 40 of the nation’s top life insurance companies to find the coverage you need at a premium you can afford. Even if you decide on less coverage than you wanted, something will be there to protect your family’s financial future.