It depends on how good your health history and current medical condition is as well as your gender, age and smoking status. Most term life insurance is offered in increments of 5, 10, 15, 20 and 30 years with a guaranteed level premium. Other considerations are motor vehicle violations, hazardous job or recreation. All these items can contribute to the premium.
There is no one term life insurance company that dominates the term market, even in the select categories like: nonsmoking standard or better, nonsmoking substandard or worse and smoking. You need to secure an independent agent who has access to the broad brokerage market place to bid out your term life insurance quote. We can help with that.
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There is no one term life insurance company that dominates the term market, even in the select categories like: nonsmoking standard or better, nonsmoking substandard or worse and smoking. You need to secure an independent agent who has access to the broad brokerage market place to bid out your term life insurance quote. We can help with that.