When it comes to buying life insurance , age and health are two of the most important factors that determine your coverage options and premium costs. At Riseson Insurance , we help residents in Tempe Tempe Tempe , Phoenix Phoenix Phoenix , Scottsdale Scottsdale Scottsdale , Tucson Tucson Tucson , Gilbert Gilbert Gilbert , and Chandler Chandler Chandler understand how these factors affect their policies—so they can make informed decisions before it’s too late.

The younger you are when you buy life insurance, the lower your rates are likely to be. This is because insurers consider you a lower risk—the likelihood of needing to pay out the policy is farther in the future.

Example:

A 30-year-old in good health may pay $20/month for a 20-year term policy. A 50-year-old with the same health may pay $70 or more for that same policy.

Even just waiting five years can significantly increase your premiums. That’s why locking in a policy early is a smart financial move.

Life insurance companies evaluate your overall health during the underwriting process. This includes:

Medical history Current conditions (e.g., high blood pressure, diabetes) Family health history Lifestyle habits (e.g., smoking, drinking, exercise) BMI (body mass index)

If you’re in excellent health, you’re more likely to qualify for preferred rates, which are the lowest premiums available. On the other hand, chronic conditions, obesity, or tobacco use can raise your rates—or even result in denied coverage.

Don’t worry—you still have options:

Term life insurance with adjusted rates Guaranteed issue policies (no medical exam required) Simplified issue policies with a brief health questionnaire Final expense insurance for covering funeral costs

Our team at Riseson Insurance can help you compare quotes and find the best coverage, no matter your age or health status.

Before applying, you can improve your chances of getting better rates by:

Quitting smoking Losing weight Controlling chronic conditions through medication or lifestyle Scheduling a check-up to get up-to-date lab results

The best time to buy life insurance was yesterday. The second-best time is today.

Reach out to Riseson Insurance in Tempe, Arizona to get a personalized life insurance quote. We serve all of Maricopa and Pima Counties, including Phoenix, Scottsdale, Tucson, Gilbert, and Chandler. Call us today at 602-460-5470 to secure your future with confidence.

Why Age Matters in Life Insurance

How Health Affects Your Premium

What If You’re Older or Have Health Issues?

Pro Tip: Improve Your Insurability

Get the Right Coverage at the Right Time

• A 30-year-old in good health may pay $20/month for a 20-year term policy.
• A 50-year-old with the same health may pay $70 or more for that same policy.

• Medical history
• Current conditions (e.g., high blood pressure, diabetes)
• Family health history
• Lifestyle habits (e.g., smoking, drinking, exercise)
• BMI (body mass index)

• Term life insurance with adjusted rates
• Guaranteed issue policies (no medical exam required)
• Simplified issue policies with a brief health questionnaire
• Final expense insurance for covering funeral costs

• Quitting smoking
• Losing weight
• Controlling chronic conditions through medication or lifestyle
• Scheduling a check-up to get up-to-date lab results