HURRICANE IAN NOTICE: To file a claim, please contact your carrier’s Claims Department directly. Please click here for a list of our carriers’ phone numbers.

Call Us 866-998-6155 ☰ ˟
calendar
File A ClaimRisk & Safety Advisors 866-998-6155
  • HOME
  • GET A QUOTE
    • HomeownersImage of right arrow
      • Homeowners Quote
      • Condo Unit Owners Quote
      • Renters Insurance Quote
      • Manufactured Home Quote
      • Mobile Home Quote
      • Builders Risk Quote
      • Vacant Property Quote
    • Automobile
    • Equine & Farm
    • Motorcycle
    • Trailer Insurance
    • Flood
    • Umbrella
    • Personal Watercraft & BoatImage of right arrow
      • Boat Quote
      • Yacht Quote
      • Jet Ski Quote
    • Golf Cart
    • RV's & MotorhomeImage of right arrow
      • Motorhome Quote
      • Travel Trailer Quote
      • ATV Quote
    • Condo Owners
    • Renters
    • Manufactured & Mobile Homes
    • Business & CommercialImage of right arrow
      • Builders Risk Insurance Quote
      • Commercial Auto Quote
      • Commercial Property Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Workers Compensation Quote
    • Life & AnnuitiesImage of right arrow
      • Individual Life Insurance Quote
      • Mortgage Protection Quote
      • Key Person (Key Man) Quote
      • Disability Insurance Quote
  • FIND AN AGENT
  • JOIN US
  • ABOUT US
    • About Us
    • Our Locations
    • Employee Directory
    • Testimonials
    • Privacy Policy
    • Carriers
  • RESOURCES
    • Refer a Friend
    • Calculators
    • Insurance Glossary
  • Equine
    • Get A Quote
    • Equine & Farm
    • Events
    • Missy Sullivan
  • CONTACT
    • Contact Us
    • Join Our Newsletter
  • RISK & SAFETY ADVISORS
vintage home icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
vintage car icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
vintage boat icon

RV & Boat

We browse through a wide variety of coverages and find the right one for you.

Learn More
vintage briefcase icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
vintage horse icon

Equine

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > What Affects Your Life Insurance Rate?
FRIDAY, AUGUST 12, 2022

What Affects Your Life Insurance Rate?

Shopping for life insurance can be a complicated process. There are many options and extras to look through when researching policy options. The plethora of insurance companies offering life insurance products can make purchasing coverage even more complicated. Of course, you want the most for your money without overpaying for a policy. To find the policy that is best for you, you need to understand what affects your life insurance rates. Consider the following factors your insurance company uses to determine your insurance rate. 

You Pay More When You Smoke 

Just as you are choosing which life insurance company you want to work with, the life insurance company is also assessing you as a client. The assessment typically includes examining your medical history. Furthermore, your medical history may include questions about your past and current usage of tobacco products. It is important to remain truthful when answering these questions to avoid problems with your policy later. a group of people sitting at a table

Even if you are not using tobacco products right now, the insurance company will want to know about the last time you used tobacco. Typically, a year with no tobacco use will make you eligible for discounted rates.  

Hazardous Jobs Increase Risks and Premiums 

Another question your insurance company is likely to ask is concerning the type of work you do. If you work in hazardous conditions, the insurance company may see you as a risk because the mortality rate will be higher for those who have dangerous jobs. Prepare to answer questions about the type of work you do, so the insurance company can thoroughly assess your position. 

Being Healthy Saves You Money 

If you have a chronic disease, your life insurance premium will likely cost more than a person who doesn’t have a chronic disease. Developing any of these conditions reduces your life expectancy, which increases the chances of payout for your insurance company. Fortunately, you can prevent all of these diseases and conditions and improve the rate you pay for health insurance. 

The best way to keep your rates at their lowest is by living a healthy lifestyle. Your insurance company will factor in what you are doing to stay healthy based on your application for life insurance. 

Get a quote today. Call Flagler Insurance Agency at 239-274-9200 for more information on life insurance. 
Posted 11:34 AM

Tags: life, insurance, policy, terms, retirement, whole
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • insurance(23)
  • coverage(21)
  • commercial(9)
  • policy(7)
  • liability(7)
  • general(5)
  • homeowners(4)
  • business(4)
  • car(4)
  • auto(4)
  • life(3)
  • accident(3)
  • whole(3)
  • terms(3)
  • boat(3)
  • small(3)
  • workers(3)
  • retirement(3)
  • watercraft(3)
  • compensation(3)
  • workers compensation(2)
  • life insurance(2)
  • auto insurance(1)
  • vehicle(1)
  • general liability insurance(1)
  • restaurant(1)
  • atv(1)
  • requirements(1)
  • damage(1)
  • rv insurance(1)
  • powersport(1)
  • liquour(1)
  • workers comp(1)
  • flood(1)
  • homeowners insurance(1)
  • driveway(1)
  • home(1)

View Mobile Version

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Corporate Office

250 Royal Palm Way
Palm Beach, FL 33480

P: 239-274-9200 | Toll-Free: 866-998-6155 | Fx: 239-791-8643
© Copyright. All rights reserved.