Are there any particular life insurance providers for seniors that have lower premiums for the pittsburgh area
Thursday, September 2nd, 2010 at
3:54 pm
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try zander insurance. you can apply from the web. free quotes online.
You might want to check with the American Association of Retired Persons, AARP, is for seniors 50 & over and they have some fantastic benefits for their members including a life insurance program which is underwritten by New York Life Insurance–website address for their life insurance program is https://www.nylaarp.com/index.asp & the main website for AARP is http://www.aarp.org/ Membership is only $12.50 per year and I understand the rates for life insurance and some of their other benefits are great.
Also check with independent agents in your area that might have other programs for senior citizens and/or consider the input of a Certified Financial Planner that can sit down individually with you (or your family member) to go over your individual goals, tax situation, etc–sometimes insurance is not necessarily the best option and a good CFP that has your best interests in mind will be able to recommend the best options for you.
Good Luck
http://www.advantageoneinsurance.com will let you compare insurance rates for seniors in Pennsylvania.
For more insurance options you might try
http://www.2insure4less.com
There are a number of companies available for seniors depending on purpose of coverage, health of insured, and amount of coverage desired.
Pa based: http://www.LifeInsuranceAdvisors.com
There are several life insurance companies that offer affordabable protection for seniors.
However, it depends on your specific health, age, and the type and amount of life insurance protection you want.
In the Pittsburgh area you could contact an independent insurance agent through the yellow pages who could give you quotes from several life insurers.
Or, you could use a free life insurance quote service online with no obligation.
Another option is Globe Life that offers up to $30,000 for people age 78 and under, with no medical exam required.
Either way you go, make sure to consider your needs, your budget, what you can afford, what the financial strength rating is for the life insurance company, and what exclusions in the policy may apply to you.
Some policies for seniors offer graded benefits for the first two years. That means you really don’t have the entire face amount of protection until you have owned the policy for 1 or 2 years.
Make sure you understand your policy before you buy.
The best way to find the lower premiums for seniors in the Pittsburgh area would be to compare quotes from several A rated life insurance companies to find which offer the most affordable rates that meet your needs and fit your budget.
I hope that helps! Best of luck to you.
Lower premiums than WHAT? Life insurance for seniors costs MORE than life insurance for a 20 year old. It’s all about the odds.
Check with these guys: http://www.kellyinsurancegroup.com/ and tell Jeff mb said hello. He’s in the ‘burgh, and can get you a variety of quotes.