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Life Insurance Premiums Explained

5/14/2009

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What are life insurance premiums and how do they work?

If you are shopping for life insurance you may have requested rate quotes to compare prices for your life insurance.

Life insurance premiums are the amount you pay for your life insurance policy.

Premium payment options are usually available for monthly, quarterly, semi-annual, or annual payments.

How are premiums determined?

Life insurance companies use a number of factors to decide how much to charge you for coverage.

Among the most common factors used for developing your life insurance premiums are:

1. Age
2. Gender
3. Health
4. Family Health History
5. Occupation
6. Hobbies
7. Height-to-Weight Ratio
8. Type and Amount of Life Insurance requested
9. Smoker or Non-Smoker

Your answers to these questions, as well as, your medical examination, blood and urine test results help to determine your final premiums for your life insurance policy.

To learn more you can review this helpful article explaining life insurance premiums.

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