The Facts About Life Insurance Rates

Cigarette smokers pay at least double the premium for life insurance than non-smokers. People, who are overweight, have high blood pressure or high cholesterol could pay more for life insurance. A family history of heart disease, cancer, stroke, diabetes or other chronic diseases will make your insurance rates increase. Having chronic diseases can increase your Life Insurance Premiums.

Life Insurance companies classify people by different categories that essentially determine their risk of dying. The best category and lowest price is "Preferred Plus ", followed by "Preferred." Prices keep rising with "Standard Plus" and "Standard". To be honest, only the healthiest people in America are rated Super Preferred. The average person will qualify for a standard rate. The classifications vary from company to company, which is why it´s a good idea to shop around.