Backdating to save age life insurance Chat online single

This means that when you place your life insurance policy in force and you’re within 6 months of your next birthday, they’ll actually determine your rates as if you are 1 year older.

Which effectively means your rates will be more expensive.

The instant quotes you see on our website are all based on today’s date – so please keep that in mind.

If this is confusing or if you have any questions, please don’t hesitate to call.

This nearest age may put you in a higher premium slab.

However, if you backdate the policy by 2 months, the insurer will consider your age as 32 years and 5 months only.

Now you will be paying lower premiums based on a plan for a 32-year old.

Set the timing of payment:- There are specific professions where the income flow is not steady.

In this case, a farmer could backdate the policy to start it in the harvest season.Keep in mind that the underwriting process can take 4-8 weeks.So even if you’re 8 months to your next birthday, there could be a surprise increase in rates when your application finally gets approved – solely based on you being nearest to your next age.Buying life insurance is different at every stage in your life.We always say that if someone you care about is financially dependent on you, then life insurance makes sense.

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