Life Insurance Rate Factors

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Understanding Life Insurance Rating Classes

Understanding term life insurance rating classes can seem like learning a new language. But it's not that bad. We'll walk you through it.

Understanding term life insurance rating classes can seem li...

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Understanding Life Insurance Illustrations

Here in my left hand is a mirror, in my right hand… Smoke. A life insurance policy “illustration” is a set of projections, prepared by the actuarial department of the insurance company. It shows how your policy will perform over your lifetime. It includes financial projections for each year. If it’s a term policy, the...

Here in my left hand is a mirror, in my right hand… Sm...

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How to Calculate Your Life Insurance Age

Most life insurance companies calculate your life insurance age based on your half-birthday. This may cause you to pay more for your life insurance policy.

Most life insurance companies calculate your life insurance ...

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How is My Term Life Insurance Rate Determined?

Age, gender, and health are obvious factors companies use to determine your term life insurance rate. Learning about the others can help you save money.

Age, gender, and health are obvious factors companies use to...

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Life Insurance Rate Bands Can Save You Money

Life insurance companies use a series of rate bands to help calculate premiums for term life insurance policies. Knowing how they work can save you money.

Life insurance companies use a series of rate bands to help ...

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