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Don’t Be Fooled…The Only 3 Variables That Matter

The 3 variables that determine the EXACT cost of your life insurance policy are….


1. The amount of life insurance you are looking to buy.  For example, a 50,000, 100,000, or 250,000 life  insurance policy.

2. The most important decision you will make is when does the policy expire.

  •  Do you have  a short term need or goal?  If so, term life insurance is the way to go.  You can lock your rates so your policy does not expire for  10, 15, 20, 25, or 30 years depending upon how old you are when you purchase it.
  • Do you have a long term or permanent need or goal?  If so, a lifetime policy like guaranteed universal life or whole life  is the way to go.  These policies have an expiration date at age 95, 100, or 121.   Your short and long term goals will help you determine which is the best for you.

*** BE CAREFUL selecting your expiration date.  You do not want to have your policy expire in your late 70’s, 80’s or 90’s and still have a want or need for life insurance.  It is VERY EXPENSIVE to buy at that age even if you are healthy enough to qualify.***

3. What health class the life insurance company approves you at also effects your exact costs.   Every life insurance company has about 12 health classes.

  • Health class 1 is the best health class and least expensive BUT you have to be extremely healthy to get it.
  • Health class 12 is the worst health class and the most expensive because of poor health.

***An agent or a broker can tell you what the cost of each health class is before you apply.  No agent or broker can tell you what health class you will be approved at until the application and underwriting process is completed for the life insurance company.***

When comparing quotes from different companies you should compare by the health class that best matches your health, hobbies, habits, and lifestyle.

Before you apply to any company,  consult that companies underwriting guidelines to see if you would qualify.  Keep in mind that the actual cost on the policy will not be known until you have been approved and assigned a health class.




Why You Should Buy Your Life Insurance On This Website


  • Save money – Get the lowest cost possible for your life insurance from the best top rated companies in the market.
  • No pressure sales tactics – You can decide when and if you would like to buy life insurance or not with out getting hassled!
  • Save time-Instant online life insurance quotes from ALL the top rated life insurance companies.
  • Superior Service– The attention to detail your application deserves when it comes to shopping life insurance companies for the best possible price.  This is especially true if you have health conditions or if you have certain hobbies or habits.
  • Very fast and convenient online application process – the quickest approval possible
  • Licensed since 1992 –  State license number provided upon request.

Still Have Questions?  Call 888-681-4952.

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