{"id":4453,"date":"2020-10-27T11:35:37","date_gmt":"2020-10-27T11:35:37","guid":{"rendered":"https:\/\/469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io\/?p=4453"},"modified":"2020-10-27T11:35:37","modified_gmt":"2020-10-27T11:35:37","slug":"what-affects-your-life-insurance-rate","status":"publish","type":"post","link":"https:\/\/swflinsurance.com\/what-affects-your-life-insurance-rate\/","title":{"rendered":"What Affects Your Life Insurance Rate?"},"content":{"rendered":"<h4><span class=\"ez-toc-section\" id=\"What_Affects_Your_Life_Insurance_Rate\"><\/span>What Affects Your Life Insurance Rate?<span class=\"ez-toc-section-end\"><\/span><\/h4><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/swflinsurance.com\/what-affects-your-life-insurance-rate\/#What_Affects_Your_Life_Insurance_Rate\" >What Affects Your Life Insurance Rate?<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/swflinsurance.com\/what-affects-your-life-insurance-rate\/#Age_is_a_Factor\" >Age is a Factor<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/swflinsurance.com\/what-affects-your-life-insurance-rate\/#Smokers_Usually_Pay_More\" >Smokers Usually Pay More<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/swflinsurance.com\/what-affects-your-life-insurance-rate\/#People_in_Hazardous_Jobs_Might_Face_Higher_Risks\" >People in Hazardous Jobs Might Face Higher Risks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/swflinsurance.com\/what-affects-your-life-insurance-rate\/#Health_is_a_Big_Savings_Opportunity\" >Health is a Big Savings Opportunity<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<p>Buying life insurance is a big decision to make, and one of the first things people ask themselves is how much their coverage is likely to cost. <\/p>\n<p>Like with all insurance options, insurers measure risks when determining your premium. When it comes to life insurance, your risks will center on your likelihood of dying and the policy paying on your behalf. Therefore, various demographic factors will lower and raise these risks and thus impact your price. What are some of these? Why do they matter to life insurers? <\/p>\n<h5><span class=\"ez-toc-section\" id=\"Age_is_a_Factor\"><\/span>Age is a Factor<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>As you get older, you are more likely to die. Therefore, the longer you wait to buy life insurance, the more you might have to pay for your coverage. Most life insurers recommend that you buy your first coverage before the age of 30, when you usually have a lot of freedom of choice for your coverage. At this point, you are more likely to get approved for coverage and pay an optimized price.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"Smokers_Usually_Pay_More\"><\/span>Smokers Usually Pay More<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Many life insurers don\u2019t want to invest in clients who have higher likelihoods of premature death. Therefore, not only your health, but also your habits, might impact either your rates or your coverage eligibility. Smoking is one habit that is very hazardous to your health, and therefore could limit your life insurance choices when the time comes.  <\/p>\n<p>Even if you have stopped smoking, your risks might remain high. However, the longer you stay remain a non-smoker, the better your risks might prove. Therefore, you might qualify for more favorable rates in time. <\/p>\n<h5><span class=\"ez-toc-section\" id=\"People_in_Hazardous_Jobs_Might_Face_Higher_Risks\"><\/span>People in Hazardous Jobs Might Face Higher Risks<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Life insurers often ask applicants their occupations both to get a picture of the applicant\u2019s financial health and their risk level. If you work in a hazardous occupation, then you could experience an accident on the job or eventually begin to suffer from a chronic health issue brought on by exposure. While your occupation might not disqualify you from a policy, it might have an impact on your rates. <\/p>\n<h5><span class=\"ez-toc-section\" id=\"Health_is_a_Big_Savings_Opportunity\"><\/span>Health is a Big Savings Opportunity<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>There are millions of Americans with current or developing chronic issues. However, the better you work to maintain fair health, the better your long-term outlook will be. Therefore, working proactively to maintain good health can show life insurers that you have an investment in your wellbeing. This might help reduce your overall risk rating and help you qualify for more effective policies.<\/p>\n<p>Often, being a conscientious applicant can help you determine the best way to get life insurance to your benefit. Plus, even if you do have outstanding risk factors, you can often still qualify for a policy. Our agents are happy to work with you to help you get coverage to your benefit. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>What Affects Your Life Insurance Rate? Buying life insurance is a big decision to make, and one of the first things people ask themselves is how much their coverage is likely to cost. Like with all insurance options, insurers measure risks when determining your premium. When it comes to life insurance, your risks will center on your likelihood of dying and the policy paying on your behalf. Therefore, various demographic factors will lower and raise these risks and thus impact your price. What are some of these? Why do they matter to life insurers? Age is a Factor As you get older, you are more likely to die. Therefore, the longer you wait to buy life insurance, the more you might have to pay for your coverage. Most life insurers recommend that you buy your first coverage before the age of 30, when you usually have a lot of freedom of choice for your coverage. At this point, you are more likely to get approved for coverage and pay an optimized price. Smokers Usually Pay More Many life insurers don\u2019t want to invest in clients who have higher likelihoods of premature death. Therefore, not only your health, but also your habits, might impact either your rates or your coverage eligibility. Smoking is one habit that is very hazardous to your health, and therefore could limit your life insurance choices when the time comes. Even if you have stopped smoking, your risks might remain high. However, the longer you stay remain a non-smoker, the better your risks might prove. Therefore, you might qualify for more favorable rates in time. People in Hazardous Jobs Might Face Higher Risks Life insurers often ask applicants their occupations both to get a picture of the applicant\u2019s financial health and their risk level. If you work in a hazardous occupation, then you could experience an accident on the job or eventually begin to suffer from a chronic health issue brought on by exposure. While your occupation might not disqualify you from a policy, it might have an impact on your rates. Health is a Big Savings Opportunity There are millions of Americans with current or developing chronic issues. However, the better you work to maintain fair health, the better your long-term outlook will be. Therefore, working proactively to maintain good health can show life insurers that you have an investment in your wellbeing. This might help reduce your overall risk rating and help you qualify for more effective policies. Often, being a conscientious applicant can help you determine the best way to get life insurance to your benefit. Plus, even if you do have outstanding risk factors, you can often still qualify for a policy. Our agents are happy to work with you to help you get coverage to your benefit.<\/p>\n","protected":false},"author":2,"featured_media":3984,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"What Affects Your Life Insurance Rate? Buying life insurance is a big decision to make,\u00a0and one of the first things people ask themselves is how much their coverage is likely to cost.\u00a0 \u00a0 Like with all insurance options, insurers measure risks when determining your premium. 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