Demystifying Term Life Premiums: What Factors Affect Your Rate? | |
Ever wonder why your insurance premium is a certain price? This article demystifies term life premiums by breaking down the key factors that influence your rate. We’ll explain how your age, health, and lifestyle habits—like smoking or engaging in risky hobbies—play a significant role. Learn about the importance of family medical history, your occupation, and even your driving record in the underwriting process. This guide provides a clear understanding of what goes into your premium calculation, empowering you to make choices that could lead to lower rates. | |
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