Rates vary based on qualifed and approved classification (All determinations made by underwriting). The following will be used to determined classification qualifications:
Current health (Including height & weight)
Your health history
Family history (parents and/or sibilings)
Occupation (sometimes hazard occupations can affect underwritng decissions)
Hazardous Sports or Hobbies (Ex. Skydiving, rock climbing, scuba diving, flying small air crafts, etc)
Nicotine User or Non-Smoker
Coverage amount
There are 3 factors you should consider... Follow these steps to complete your instant quote:
Use the Rate Classification chart to determine WHICH CLASSbest describes your personal circumstances
Consider HOW LONGyou want to protect your family... Choose from 10 years, 20 years or 30 years
Determine HOW MUCH lifeinsurance coverage you desire
Using the chart above, find the band of coverage that fits within the coverage you desire (10, 20 or 30 years)
Consider adding the "Waiver of Premium" rider
Complete the formula below to help calculate the premum for you
