Your Life Insurance Quote
Could Change
Your term life insurance, universal life insurance, or whole life insurance quote may change for many different reasons.
The final price of your life insurance is not set until after the life insurance application has gone through the insurance company's underwriting process. In most cases this includes a review of the life insurance medical exam. Often times the insurance company will also want to review your medical records from your primary care physician.
Life insurance rates are determined based on many factors that all relate to your health. The better health you are in, the less likely you are to die, and therefore the better chance you have of receiving a lower life insurance premium.
Some common reasons for a change to a higher life insurance premium are:
- Poor height / weight ratio
- High cholesterol levels
- Family history of heart disease or cancer
- Elevated blood pressure
- Poor driving history
- Participation in hazardous activities
Click here to see a more in-depth look at the reasons mentioned above.
In order to get you the best rates for your life insurance, WholesaleInsurance.net asks that you inform us of any issues you may have in the aforementioned areas. The more detailed information you provide upfront in regards to your health history, the more accurate your quote will be.
If you are unsure of what health class you fall into, please contact one of our customer service representatives at 1-800-823-4852 so we can collect all the information necessary to give you a more accurate quote. This way we can find the life insurance company that best fits your needs.
