How to find life insurance for seniors over 80

ASHEVILLE, N.C. - Nov. 16, 2015 - PRLog -- As we age, we tend to have more health issues. When you apply for life insurance, your health is a big factor in determining your rating. Your rating determines the price you will pay for insurance.

If you are a senior over 80 looking for life insurance this difference in rating can cause a permanent policy to cost less than a term policy.

How to find life insurance for seniors over 80?

Contact your independent life insurance agent. Of course, you will want to deal with someone who has experience with the senior life insurance market. Many independent agents have in-house underwriters who can help the agent determine the best company to use.

Remember, every company has slightly different underwriting guidelines. Those slight differences are important when you have any medical issues. For example company A might be stricter than company B for diabetics. But, company B has more lenient guidelines on heart disease than company A. Which company you apply with makes a difference.

Be certain to let your agent know all of your issues, as the more information your agent has, the better they can serve you. If you don't disclose everything to your agent, they may not find the best company for you and you are ultimately the one who loses.

If you want to compare rates go to www.MintcoFinancial.com a leading company in the senior market. Call 813 964 7100 if you want to speak with an agent.

Free Quotes for Seniors over 80 www.MintcoFinancial.com