What factors will affect the price I pay for a life insurance policy?

There are several key pricing factors including the type and amount of life insurance, as well as, your gender, age and health.

In addition, other personal risk factors impacting cost of life insurance include your family health history, your lifestyle, tobacco use, driving record, hobbies, occupation, height-to-weight ratio, among other things.

Basically, the younger and healthier you are, the lower your price of life insuran...
Continue reading ...

How does pricing for term life insurance work?

Prices on term life policies are determined by considering several factors, including the length of term (duration), amount of life insurance, your age and gender, as well as, your health.

In addition, your lifestyle, tobacco use, driving record, hobbies, occupation, height-to-weight ratio, and family health history may impact the cost of your term life coverage.

The shorter your term (duration of coverage), the lower your annual cost of coverage. Y...
Continue reading ...

If you're shopping for life insurance coverage you may be interested in how an insurance company develops the premium they charge you for life insurance coverage.

There are several factors that are considered for pricing a life insurance policy including the type and amount of life insurance you need.

In addiiton, your age and gender are important pricing factors.

Insurers also consider your personal risk factors which may include your health, lifestyle, tobacco use, driving record, hobbies and ...
Continue reading ...

What affects the price you pay for term life insurance coverage?

Your cost of term life insurance will depend on the amount of life insurance you need and the length of your term (duration) of coverage.

In addition, your age and gender impacts your cost of coverage. Also, your personal risk factors affect your price including your lifestyle, health, occupation, hobbies, tobacco use, driving record,  and height-to-weight ratio, among other things.

The longer you are expected to live, the lower yo...
Continue reading ...

What are some tools I can use to help me find affordable life insurance coverage form a highly-rated insurance company?

There's several good tools you can use for finding the right life insurance plans from a top carrier.

1. Life Insurance Needs Calculator - A needs calculator can help you to easily determine what your actual life insurance needs are - how much coverage to buy.

2. List of Top Carriers - A list of the leading insurers will show you the insurers writing the most business and their...
Continue reading ...