Besides your age, the health class you are placed into will affect your rate (per $1,000 of coverage) the most.
You will see in your life insurance quote results that the premiums shown will be higher or lower depending on the health risk factors you provide by answering the questions about your health.
The most common life insurance rate classes include:
- Excellent Health (Preferred Plus). In order to qualify for preferred plus rates you cannot use any tobacco and you must be in excellent health, with no history of drug or alcohol abuse. Additionally, you must not be engaged in high-risk activities either at work or recreationally.
- Good (Preferred). To qualify for preferred life insurance rates you must be in excellent overall health and not engaged in any hazardous activities.
- Fair (Regular Plus). Regular Plus rate class includes people who have had some minor health issues. For example, someone with elevated cholesterol levels or who is overweight.
- Fair (Regular). This health class is for people with manageable health problems.
Here's how you can compare instant life insurance rate quotes from 40 of the leading life insurance carriers.