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Are you aware that you can now buy a new 40-year term policy if you are age 45 or younger? If you are age 50 and younger, you can buy a new 35-year policy. If you are age 60 or younger, you can buy a new 25-year term policy. Imagine having a term policy that covers you to your age 85. Incredible, right? GUESS who doesn’t want you to know this? Your friendly life insurance agent doesn’t want you to know this. WHY NOT?  Most life insurance agents are focused on selling “permanent” life insurance. These types of policies include Whole Life, Universal Life, Indexed Life and Variable Life. While these types of policies serve a valuable purpose, they also are much more expensive, complex, confusing and often times don’t work out as planned as a result of lack of an understanding how these policies work, mismanagement, rate earning reductions, missed payments and loans that are never paid back.
Life insurance is complex but doesn’t need to be. If you are looking for straight death benefit protection, there has never been a better time to purchase term insurance that covers you up to age 85. Howard Wolkowitz is a financial author, educator and fiercely independent life insurance broker. You can visit LifeInsureAssure.com and go to his quote engine to see for yourself in seconds how inexpensive term life to age 85 is. If you want to speak with Howard, call 954-558-3673 or email him at [email protected]. Stop overpaying for your current life insurance.
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