LIFE INSURANCE UNDERWRITING GUIDE

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Life Insurance Premiums...
...are displayed at the right for the companies in our comparative study. Rates are from the Term4Sale.com database as of April, 2002.

Cost of Poor Underwriting Factors
The cost difference among companies within a rate category can often be just a few dollars. The difference between categories can be quite large. This is the cost of poor underwriting factors. See details on specific factors.

Category Average Premium Category Difference
Pref. Plus $   730 $  -  
Preferred $   859 $129
Std. Plus $1,047 $188
Standard $1,356 $309
Total   $626


If you can't do anything about your underwriting factors (cholesterol, driving record, etc.), at least you can choose the right company! If you need help evaluating your factors and choosing the right company, click here.


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