Myths and Facts about Life Insurance

Most consumers shop for and buy life insurance without understanding how a life insurance company sets rates., however, brings customers behind the scenes and uncovers the inner workings of insurers. A good online life insurance agent, such as, is the easiest and certainly the most accessible way to the find the best rates.

MYTH: Insurers have similar ways to underwrite policies and all are pretty much the same in their methodology.
FACT: While there are similarities, each life insurance company has a distinct way that they underwrite or set insurance rates. Diverse factors contribute to how an insurer sets rates. An experienced insurance agent knows how to direct clients through the maze of factors and different insurance companies toward the right policy.

MYTH: Life insurance companies measure risk for populations, not individuals.
FACT: For individual life insurance, companies measure risk through a combination of broad population statistics on length of life plus a review of each individual’s health history. The factors looked at mirror the kinds of things one’s physician might look for in reviewing one’s health; including cigarette smoking, cholesterol, ratios of good cholesterol to bad cholesterol, weight, adverse medical history and participation in dangerous recreational activities (for example: skydiving or motorcycle or auto racing). If an activity or health concern, in general, might shorten a life span, it could factor into the life insurance rate.

MYTH: Everyone at the same age is charged the same for life insurance.
FACT: Women are charged less for life insurance at the same age as men because, statistically, women live longer then men. The key factors determining life insurance rates are in order; Age, health history, gender, medical history of parents and siblings and lifestyle factors such as certain recreational activities.

MYTH: People with questionable medical histories usually cannot get insurance.
FACT: What life insurance companies call “higher risk� people can often get “rated policies.� Rated policies carry an extra charge to account for the risk but can usually be found for people with health or lifestyle issues. Sometimes one company will charge extra while another will not.
It can be a good idea to use an online insurance agency such as to shop for you with many insurance companies. A skilled knowledgeable agent with relationships with several agencies can find good rates.

MYTH: People in a high-risk rating category are at the mercy of life insurance companies when determining rates.
FACT: A good online life insurance agency has experience discovering which life insurance companies have the best rates for different medical conditions or situations. They make insurance companies compete to find the most competitive rates for clients in higher rating categories. This is often different from a local agent who may have less access, may not have the knowledge base or is tied to only one life insurance company.

MYTH: There is not much variability among the rates charged by insurance companies for term life insurance or any of the types of life insurance.
FACT: Different rating factors lead to immense variability between rates charged by different companies. Comparison shopping pays off and a good online life insurance agent can serve as an excellent comparison shopper.

MYTH: Insurers will never know if I fib a little on my application.
FACT: Insurers are used to doing extensive background checks and can catch inaccuracies. The best strategy is to be as truthful as possible and use an experienced agent to search out a policy that takes all factors into account.

MYTH: Rates determined based on risk factors like smoking or skydiving are fixed and can never decrease.
FACT: Over time, as health improves, if one loses weight and keeps it off or quits smoking for a number of years, one can reapply to lower one’s insurance rates. There’s no downside to this, since once issued, a life insurance policy’s rates could go down but contractual rates on a life insurance can not be changed, once a policy is issued and paid for, if your health or personal activities change.

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