Life Insurance at19 Years Old

Life Insurance Quotes


             I           Seniors          I          Term Life Insurance          I          Permanent Life Insurance          I          Learning Center

Life Insurance At Age 19- Your Options  

 If you are shopping for life insurance for a 19 year old, then you are probably concerned about leaving a financial burden on your loved ones. Most shoppers look for life insurance at this age so that they can lock in a low rate while they are young and in perfect health. Many parents will also purchase life insurance for their children at this age. One thing you can be sure of is that you have plenty of choices for life insurance coverage and the cost is very affordable. Learn more about your options for life insurance at age 19 and compare rates from several highly rated carriers.

Life Insurance At Age 19 - Your Options  

You have two basic options for coverage - term life insurance and permanent life insurance. Term life insurance is temporary coverage that can last anywhere from one year or as long as 40 years, depending on the company that you choose. Term is very affordable coverage because you can get a lot of coverage for a very reasonable premium. Unlike term insurance, permanent life insurance will last you for your entire lifetime, as long as you continue to pay your premiums. Your policy will also accumulate cash value on a tax-deferred basis. Whole life and universal life are the 2 most common permanent coverage options.  

Sample Rates to Consider 

Here are a few sample rates to give you a general idea of what you could pay. These are based on a non-smoker with a preferred health rating. Your rate could be lower or higher depending on your situation. 

$250,000 30 Year Term Life Insurance:  

19 Year Old Male - $295 per year
19 Year Old Female - $232.50 per year

$250,000 Level Pay Whole Life Insurance:  

19 Year Old Male - $1,137.50 per year
19 Year Old Female - $982.50 per year

Keep in mind that the actual rate that you will pay is going to depend on several variables such as your smoking status, your health history, your family health history, your occupation and hobbies, and even your driving history. Life insurance companies look at all of these things when determining your eligibility for a policy.  

What If You Have Health Issues?  

Although most 19 year olds have excellent health, there are some people who have pre-existing health conditions from birth or other things that have developed during childhood or the teenage years. In most cases, you can still get affordable rates for life insurance at age 19 . The type of policy that you can qualify for and the rate you pay will depend on what that particular health issue is. For example,if you have juvenile diabetes, then some insurers will offer you a standard rate if your A1C is 7 and below. If you have some heart problems, then you may only qualify for a guaranteed issue life insurance policy. It is best to speak with an experienced agent about your particular health situation because he or she can guide you towards the best carrier for your needs.  

Get A Free Rate Comparison In Under A Minute  

The first step when shopping for life insurance at any age is to shop around. Rates can vary by as much as 70% from one company to another so it definitely pays to compare. Get a free no obligation quote today and compare multiple quotes from highly rated carriers. This will ensure that you get the most competitive quote for your age and your overall needs. If you want to speak to an experienced professional agent then call 888-475-6099 right now.

      Zip Code: 




  Term Life vs Whole Life

 How Much Does Life Insurance Cost?

 How Much Life Insurance Do You Need?

 When Should You Buy Life Insurance?

 All About Life Insurance Medical Exams


 Mistakes People Make When Buying Life Insurance

  Can Life Insurance Be Cancelled Because of Age?

 What Kind of Coverage Is Best for Seniors?


Life Insurance at19 Years Old






Patricia Jordan AuthorPatricia Jordan is a licensed life insurance agent and managing editor of the Quotes for Term Life website and blog. Patricia assists people in finding the most affordable life insurance policy for their needs. Connect with Patricia on Google+


Life Insurance at19 Years Old
Home Permanent Life Insurance   Seniors  Term Life   Whole Life   What is Term Life Insurance  No Exam Term Life  Universal Life   Types of Coverage    Life Insurance Articles   Learning Center    Health Issues    Ages 0 to 85   Best Life Insurance    Quotes By State    Contact    Site Map

Copyright © 2012 All rights reserved.