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Life Insurance

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If you have dependants such as young children or a spouse who does not work at a paid job, then life insurance will provide for their needs in-case of your untimely death. Life insurance can be purchased for a specific term i.e. until your youngest child reaches the age of 18. Or, you can purchase a policy that stays with you until the end of your life and builds cash equity. How much life insurance you purchase depends upon your standard of living and your debts.

Factors that Effect Life Insurance Premiums

• Policy amount
• State in which you live
• Age, height, and weight
• Female / male
• Tobacco or nicotine use
• Airplane pilot
• Hazardous occupation
• Risky activities such as racing, scuba diving, mountain climbing
• Reckless driving
• Blood pressure, cholesterol level, specific diseases, and general health
 

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