Life Insurance at 22 Years Old -

Life Insurance Quotes


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

Life Insurance At Age 22- Your Options  


If you are shopping for life insurance at age 22, then you are probably concerned about leaving a financial burden on your loved ones. Most shoppers look for life insurance when they are in their twenties so that they can lock in a low rate while they are young and in excellent health. This is a great idea because at this young age you have many choices for affordable, low rate life insurance protection. 

Learn more about your options below or get started now and compare competing rates from several highly rated carriers

Life Insurance At Age 22 - Your Options 

You have two basic options at this time- 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 for Your Age 

Here are a few sample rates for a life insurance policy on a 22 year old man and woman. These are based on a non-smoker with a preferred health rating. Your rate could be lower or higher depending on your situation. 

$500,000 30 Year Term Life Insurance:  

22 Year Old Male - $520.00 per year
22 Year Old Female - $400 per year 

$250,000 Level Pay Whole Life Insurance:  

22 Year Old Male - $1,265.00 per year
22 Year Old Female - $1,102.50 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 Do Have Some Health Problems? 

Although most 22 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 coverage. 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 protection 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 at 22 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 at 22 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.