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  • How much I will pay for insurance if I’m older than 40? 65?
  • June 26, 2015
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    Pet insurers also take age into account, and as with human health insurance, costs rise as the insured matures. For example, a 1-year-old female Bison Frise is about $55 a month for full coverage with a $100 deductible, Worters said. The same animal at age 12 will cost about $67 a month.

    “At a certain point, pets can only get insurance for basic coverage for accidents such as broken bones, insect bites, poison ingestion, etc., because they are at risk for more serious illnesses or injuries at an older age,” Worters said.


    Older individuals looking for life insurance or health insurance may find they are not out of luck for coverage—they just have to look harder.

    Weisbart said that while most life insurers will not write policies for people who are age 85 and older, there are other options to consider.

    “Some life insurance companies will sell life insurance in small death benefit amounts, such as $10,000 and possibly up to $50,000, with no medical exam and very few questions on the application,” Weisbart said.

    The amounts are not designed to replace future anticipated lost income but more to help cover end-of-life expenses. Many groups also offer the same type of coverage, such as fraternities and auto clubs.

    Older employed individuals may also be eligible for life insurance offered through their workplace.

    Len Barend, president of the Barend Agency Inc., in Henderson, Nev., and a member of the senior Medicare advisory group of the National Association of Health Underwriters, advised older individuals to research their options and learn about Medicare deadlines to maximize their insurability and lower their costs.

    There are also a few steps older individuals can take to help increase their insurability.

    “The best tip is to improve your health,” Weisbart said.

    Stop smoking, start a program of regular exercise that includes cardio, weight and flexibility training, monitor blood sugar, lose weight if needed and maintain blood pressure. Also keep up with the regular maintenance by getting an annual medical checkup and visit a dentist and eye doctor at least once a year.

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