📊 Life Insurance Costs by Age & Weight How Your Personal Factors Affect Your Premiums Age and weight are two of the most significant factors affecting your life insurance premiums. Understanding how insurance companies calculate costs based on these factors helps you anticipate rates and identify opportunities to reduce what you’ll pay. We’ve analyzed rates […] Read more
health ratings
👨👩👧👦 How Family History Affects Life Insurance Approval and Premiums Genetics, Underwriting, and What You Can Control Family history is one of the strongest predictors of health risk that insurance companies evaluate and can directly influence your approval odds, premium costs, and available coverage options. To help you understand how it may affect you, we’ve […] Read more
You submit your life insurance application feeling confident about your health, only to receive a letter weeks later with terms that don’t match what you expected. The premium is higher than quoted, or worse, you’ve been placed in a “substandard” category that sounds more alarming than your doctor’s last assessment suggested. This disconnect between your […] Read more
