LIFE INSURANCE RATES AND RISK ASSESSMENT
Preferred Plus: You are in excellent health; take no medications; normal height and weight besides a few other factors.
Preferred: Excellent health; blood pressure or cholesterol under control with medication. No history of smoking in the last two years besides other factors.
Standard Plus and Standard: Now you are getting into serious health conditions and other factors. From here on, it is a downward journey.
Your life insurance rates are directly dependent upon your age, health, and lifestyle. Please note that by the regulatory laws, agents and brokers offering life insurance products cannot charge a fee for service from a client. Therefore, your premium is exactly what an insurance company asks and not a penny more. In a nutshell, you can’t find a better price for the same insurer’s product anywhere else.
To learn more about which risk class you may qualify for, please click on the exclamation mark next to Your Heath below.