Affordable Life Insurance Rates: Important Factors to Consider

How to Get Affordable Life Insurance Rates?

The top three most important factors to consider for affordable life insurance rates are health, lifestyle and family history. On the latter, there is very little you can do to change your genetics. Having an immediate family history of cardiovascular disease, cancer or premature death will likely increase your life insurance premiums but how much will vary on the insurance company you choose.

The bottom line is that life insurance companies determine your rate classification by calculating your risk of dying. That is why cigarette smokers are penalized by insurance carriers. They might pay as much as double the premiums of non-smokers. Find out in this section how staying healthy, maintaining a normal weight, controlling chronic diseases with regular medical care, and not smoking can get you the best rates on your life insurance. For more information visit these other sections:

• Use the life quote engine
• Buying life insurance online
• Larger company means lower rate
• The facts about life insurance rates

Of course, before shopping around for the best deals, remember to figure out how much life insurance you need and what type is best for you. You don’t want to waste money by buying a policy that will expire before you need it or that doesn’t pay out enough to cover your loved ones’ needs. Always be sure to take the time to do your research.

With LifeQuote, you can learn more about the insurance carriers we represent by reviewing their financial ratings on www.ambest.com, one of the top insurance rating services in the country. If you have any questions about LifeQuote’s unique quoting system, feel free to contact our offices to connect with one of our knowledgeable representatives immediately. You can also send us an email or call our licensed agents at 1-800-521-7873.