Your term life insurance, universal life insurance, or whole life insurance quote may change for many different reasons
The final price of your life insurance is not set until after the life insurance application has gone through the insurance company's underwriting process. In most cases this includes a review of the life insurance medical exam. Often times the insurance company will also want to review your medical records from your primary care physician.
Life insurance rates are determined based on many factors that all relate to your health. The better health you are in, the less likely you are to die, and therefore the better chance you have of receiving a lower life insurance premium.
Some common reasons for a change to a higher life insurance premium are:
· Poor height / weight ratio
· High cholesterol levels
· Family history of heart disease or cancer
· Elevated blood pressure
· Poor driving history
· Participation in hazardous activities
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