life insurance quotes

Life Insurance Quotes

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Underwriting Factors

Your life insurance premium is determined by a number of underwriting factors, some of which are listed in the table at the right.

Age, Sex and Tobacco
These are the three biggest determinants of your life expectancy. Companies have developed separate rate tables for each.

Health Factors
Within a rate table, your health and family history are the major factors that determine your underwriting category.

Other Factors
Other factors that influence your underwriting category include your driving record, history of substance abuse, hazardous occupations or hobbies, citizenship, residency, and foreign travel.

Underwriting Factors
Age and Sex
Tobacco Usage
Height and Weight
Health History
Total Cholesterol
Cholesterol Ratio
Systolic Pressure
Diastolic Pressure
Family History

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Life insurance quotes updated September 29, 2023