Backdating to save age

At Huntley Wealth, we specialize in helping individuals with high risk medical issues. We'll help you get approved quickly at a rate you can afford. However we have access to at least one company who will issue a 30 year policy up to age 58. If you're 59 and can no longer buy 30 year term, or you'd like a policy that lasts your entire lifetime, we use a similar product to a long term called guaranteed universal life, and structure it to cover you to age 90.So if you're in your early 50's, you can still get 30 year term! The pricing is very competitive, and less than half the price of whole life.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.Most of our clients in their 50's can get away with a 10 or 15 year term.

In all these examples, I recommend a policy that will cover you for your whole life called guaranteed universal life to age 120, which is very similar to a term life policy for the rest of your life. Remember that life insurance in your fifties isn’t as easy as pulling a quick quote and seeing who offers the best “quoted rate.”… That’s why you want to work with an independent agency like Huntley Wealth…

Even if you're in your early 50's however, and you can still qualify for the longer terms, the next point is critically important to you.

We see a lot of clients in their 50’s who have owned 2 or 3 policies in their lives.

For quick reference, click any link below: At Huntley Wealth Insurance, we specialize in understanding and meeting the life insurance needs of individuals ages 50-59.

As mentioned in the introduction, you’re at a unique age with the following special considerations.

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