Life Insurance Basics
What Moves Your Life Insurance Rate
See which factors change your life insurance price the most, and which ones you can control.
The sheet in words
Up is big impact (moves your price a lot); down is small impact (nudges your price). Left is out of your hands (you cannot change it); right is you control it (you can change it).
Age
Older at signup means a higher price
Smoking
Tobacco users pay far more
Coverage Amount
More coverage costs more in total
Weight
Build and health can shift your class
Family History
Some parent or sibling conditions count
Term Length
A longer term costs more each month
Driving Record
Recent tickets or a DUI can matter
Sex
Women often see lower rates
The biggest levers you control: tobacco, health, coverage amount and term.
General education only, not a recommendation. How much each factor matters varies by company, product, age and state, and no factor alone sets your rate. Sony Ho, Licensed Life Insurance Agent, NPN 18171750 · wealthprohi.com/check
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