WHOLE LIFE INSURANCE QUOTES

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Considerations that affect whole life insurance quotes are:

• Age: The younger the applicant, the cheaper the insurance.
• Gender: Women often live longer than men, so they pay less.
• Insurance for non-smokers is significantly less than for smokers.
• Overweight individuals pay more, so their whole life insurance quotes are higher.
• The healthier the immediate family, the greater the likelihood the applicant will remain healthy.
• Those with no major maladies pay less than those who've contracted illnesses.
• Good drivers are generally healthier-and get a cheaper quote.
• The more risky the job, the higher the quote.
• Dangerous hobbies translate into higher premiums.
• The better the credit rating, the lower the whole life insurance quote.

Gathering this information enables the insurer to group people together based on risk.

Called rate or health classifications, people usually fall into one of the following:

1. Preferred Best or Super Preferred: Take no medications, proportionate height and weight, no major health issues, clean credit and driving history.
2. Preferred: May be on a medication or two. May be slightly overweight, other risk factors are minor.
3. Standard Plus: May have some adverse family history, or may have quit smoking recently.
4. Standard: Most who are overweight and those who quit smoking less than three to five years ago.
5. Preferred Tobacco/Standard Tobacco: All smokers are placed in this category.
6. Table Ratings: People with diabetes, cancer, obesity and other serious illnesses.