Life Insurance

Some insurers offer policies to older applicants, but age limits, underwriting, premiums, coverage amounts, and availability vary. Simplified-issue policies may ask health questions even when no medical exam is required. Guaranteed-issue policies may have limits or graded benefits; review the contract before applying.

Term life provides coverage for a defined period, with premiums and renewal terms set by the policy; it can suit temporary needs such as income replacement. Whole life is permanent coverage that may build cash value under the policy's terms. Compare guaranteed and non-guaranteed values, premiums, and costs against your needs.

The amount depends on the expenses and financial needs you want the benefit to address, such as income replacement, debt, education, or final expenses, along with your budget and existing resources. There is no single amount that fits everyone; compare policy costs and terms.

Some permanent life policies have cash-value features, but policy charges, funding, tax treatment, and performance assumptions affect results. Life insurance and annuities are different contracts and should not be treated as interchangeable retirement investments. Review guarantees and non-guaranteed assumptions in the policy or illustration.

Yes. Kayla Price is licensed in NC, SC, GA, FL, VA, MD, KS, TX, OH, and MI for life insurance. We can help clients in all of those states find the right life coverage.