Life Insurance Information Components Premiums

Understanding life insurance premiums

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A premium is a payment you make to your insurer in exchange for life insurance coverage.  Getting the lowest premium possible is the primary focus of life insurance shopping, so take a moment and accrue some valuable life insurance information.

What determines my life insurance rate?—Learn why premium offers come at the amounts they do and what you can do to lessen the cost of your life insurance.

Varieties of life insurance premium— The standard life insurance premium is a flat rate, periodic payment, but it’s not the only way to pay.  You may be surprised to find that you have more options available to you than you expected.

What does my life insurance premium pay for?—Ever wonder if the insurer really needs this money to conduct business, or is he just lining his pockets?  Here’s how an insurer’s expenses break down.

If you have further questions, consult our Life Insurance FAQ or call 1-800-823-4852 to speak with a licensed life insurance advisor for free.

A few of the carriers we quote

For assistance call 1-800-823-4852 7am–6pm M–Th, 8am–5pm Friday (Pacific time).
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R. Jan Pinney CLU, ChFC, is a licensed life insurance agent in all states and the District of Columbia. The following agent license numbers are provided for R. Jan Pinney as required by state law: CA agent #0440057, LA agent #291116, MA agent #1674866, MN agent #20270113, UT agent #58330, agent R. Jan Pinney, DBA Pinney Wholesale Insurance Services. Commercial use by others is prohibited by law. This site provides term quotes. Each rate shown is a quote based on information provided by the carrier. No portion of WholesaleInsurance.net may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization of the owner.