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Florence Said:

What factors will affect term or permanent life insurance rates?

We Answered:

The insured's risk, policy design, administrative costs of the policy, and the company's competitive stance.

There are more risk factors than those who have tried to list them and there are other factors besides risk to the price of the policy.

Charles Said:

What height/weight ratio will get me best life insurance rates?

We Answered:

Each company has different height/weight charts, so there is no single answer to this question. However, the height /weight charts of several companies are available on the internet, and if you do a search using insure.com and enter your height/weight, it will filter out policies you are unlikely to qualify for.

Dolores Said:

How important is it to get the best rates Term Life Insurance company?

We Answered:

Try http://free-best-life-insures-comparator-usa.blogspot.com/


Here you can get quotes from different life insurance companies in your area, its the best way to find an affordable life insurance with a reliable company.

Marilyn Said:

what are best term life insurance rates ? where can i find correct info?

We Answered:

Term rates are extremely competitive. You won't find a premium difference great enough to make it worth shopping.

It's MUCH more important to find coverage that fits your objectives. For this, you need to consult with a properly qualified financial advisor or planner (NOT an insurance agent).

And remember, term is rarely the most cost efficient choice if the insurance need is longer than 20 years. Depending on your situation and goals, term may not be appropriate at all. You need a thorough financial analysis. Many advisors will do this for you at no cost.

Floyd Said:

How do they calculate life insurance rates?

We Answered:

Funny you should ask - the profession is called "actuaries". In other words "bead counters" These people set up graphs and charts and figure out exactly to the month and year when somebody will die, based on their sex, age, occupation, health & life styles, who their parents are, if they're still living, if not what they died from, how many children they have, where their ancestors come from, how many sisters and brothers they have and their ages and when they died. Its a business but after they factor all the facts in they decide you will live to a certain age, and everything - boom up comes your rate.