Life insurance carriers base rates on rating factors for life insurance.
The most common factors that affect your premiums for coverage are health and lifestyle. Among those two areas are your health, family health history, if you smoke or not, your driving record, occupation, hobbies, height-to-weight ratio, credit history, etc.
These rating factors are considered to get an idea of your longevity, how long you are expected to love. The longer you live, the longer you may pay your life insurance premiums before a claim is made on your policy.
The younger and healthier you are when you buy your life insurance, the lower your premiums.
You can compare premiums by requesting free quotes for life insurance online through a life insurance quote provider like Efinancial.
Efinancial has been providing life insurance quotes online from their network of 94 highly-rated life insurance carriers for more than 12 years. They can help answer all of your questions and walk you through the life insurance buying process. Efinancial also has access to no exam life insurance plans.
Learn more about Efinancial and request your free, instant life insurance rate quotes today for d=savings up to 75% on your life insurance policy.