Accurate Term Life Insurance Quote

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You can guarantee an accurate term life insurance quote. While there are some carriers who quote one level premium at a given age there are others who build your policy based on the information you give them regarding your health, occupation or avocation. There are 3 rate categories, preferred, select and standard.

The big problem is that some companies ask you to choose which category you belong in without giving an explanation of how this all works. You, therefore, end up in many cases choosing the wrong category and you end up with an incorrect term insurance quote.

Let me try to assist you the best I can.

• Preferred Premium Rates

  The best and lowest term insurance premium rates are called preferred rates. Persons who fall into this rate category are those who are in excellent health. They have no bad family history either and don't involve themselves in hazardous occupations or avocations.

• Select Premium Rates

  These people are also in pretty good health but their family history may indicate that they may die at a younger age than those that fall within the preferred area. These people may have had illnesses in the past that were treated and are not likely to recur. These people do not excessively use alcohol or drugs or engage in any hazardous occupation or avocation.

• Standard Premium Rates

  This category is for people who have a family history of illnesses that are likely to prematurely kill them. A family history of stroke or heart disease, obsessive alcohol use or drug use, or overweight would put one in this category.

When getting a term life insurance quote from a company which categorizes their risks in the above manner you should be careful to select the correct one so that you will get an accurate term life insurance quote. Tell them the truth so that you get no surprises.

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