LIFE INSURANCE UNDERWRITING GUIDE

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Family History...
...versus average premium is plotted at the right. Rates are from the Term4Sale.com database as of April, 2002.

Cost of Poor Family History
The cost difference among companies within a rate category can often be just a few dollars. The difference between categories can be quite large. This is the cost of poor family history. For a summary of all factors, click here.

Category Average Premium Category Difference
Pref. Plus $   730 $  -  
Preferred $   859 $129
Std. Plus $1,047 $188
Standard $1,356 $309
Total   $626


You can't change your family history, but at least you can choose the right company to minimize the cost. If you need help evaluating your factors and choosing the right company, click here.

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