Life Insurance Rates - Term Life Insurance

Life insurance rates are dependant upon a life insurance companies own specific set of underwriting guidelines to measure your risk and the life insurance rate they should charge for your term period. Using various risk guidelines, a life insurance company determines what rate class (such as Non Smoker Super Preferred, Non Smoker Preferred, Non Smoker Standard, Preferred Smoker, Standard Smoker, etc.) that you belong to. Using these classes along with the insured's age, gender, coverage amount, and even the state in which you live, the company calculates your policy premium. Since the guidelines are drastically different from one life insurance company to another, you may be quoted one class for one company but another class for another company. This is one reason Just Term Life Insurance offers you several providers to choose from.

Most online life insurance quoting systems will either ask for a bar minimum amount of information or ask you to select the class yourself, in either case this can easily cause mistakes. Since you probably do not have access to each life insurance company's underwriting guidelines why should you be expected to know what health class you should belong to? However, once you submit your application and the company completes the underwriting you may find that you do not qualify for the health class you originally selected or were quoted because of findings in your physical examination or medical records. The final result of this scenario is that you could be charged a significantly higher life insurance rates than you were originally quoted. At that point, you only have the option to either accept the higher rate, or go through the application process with a different life insurance company.

Our Quoting System gathers the most important risk factors as shown on the initial quote page and uses a sophisticated algorithm to determine the correct health class for you. Therefore, your life insurance rates are going to be the most accurate. Get an instant online quote today and see the difference

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