How Life Insurance Works
Life insurance is special because it takes a small amount of money, called a premium, and increases it into a large sum of money, called a death benefit or retirement income. Then, it provides that increased value tax-free when a business or family needs it most — upon the passing of a key associate or earner, or as a source of income in retirement.
When you apply for life insurance, whether term or permanent, you will be asked questions about your lifestyle and medical and family history before you’re offered coverage. Qualifying for a policy and the rates you would pay depend on your designated risk level and health rating (more on this below). These ratings are decided during the underwriting process and medical exam (if required).
How We Can Help
We use our experience and expertise to deliver a personal, elite experience for our clients who are looking to buy life insurance. Every client has a different condition, financial situation, and medical history. We help them evaluate all their options and find the best policy for their needs. We want to do the same for you, too! From listening to your concerns to answering questions to recommending policies, Turning 65 Solutions is there for you at every turn.
Different Types of Life Insurance Policies
There are different types of life insurance policies that you can purchase through us, including:
Protect your family with a plan to cover your medical bills and funeral costs.
Get approved for the coverage you need within just a day or two after applying.
Obtain coverage for health issues that consider you to be “high risk”. Protect dependents in the event of your passing.
Answer a few questions about your health to get quick coverage. Perfect for young adults.
Have peace of mind with a permanent policy that has no health criterion. Intended for older people.