Why Is My Quote So High?

Life insurance premiums are based on risk. The higher the risk of you passing away during the policy term, the higher the cost.

Top Factors Affecting Cost

This is the #1 factor. Rates increase every year you get older. Buying young locks in lower rates.

Smokers pay 2x to 3x more than non-smokers. Quitting for 12 months can drastically lower your rate.

Conditions like diabetes, heart disease, or cancer history increase premiums. Height and weight (BMI) also play a role.

If your parents or siblings died young from hereditary conditions (heart disease, cancer), your rates may be higher.

High-risk jobs (mining, aviation) or hobbies (skydiving, scuba diving) can increase costs or add exclusions.

Whole Life is significantly more expensive than Term Life because the payout is guaranteed (we all die eventually) and it builds cash value.

Buy Early: Don't wait until you satisfy the need.
Quit Smoking: Stop for 12 months to qualify for non-smoker rates.
Choose Term: Term life is much cheaper than permanent life.
Medically Underwritten: Avoid "No Medical" plans if you are healthy, as they cost more.