Every insurance provider makes sure they assess every possible risk related to a life insurance policy. Those risks include three main factors that influence your premiums: age, health, and habits. Higher risks, which include health pre-conditions, bad habits like smoking, and an advanced age, mean higher rates. That is why you need to address an insurance expert, who will help you find the proper life insurance policy.
Among the types of life insurance you can qualify for are: Traditional, Rated Traditional, Guaranteed-Issue No Medical, and Simplified-Issue No Medical Life Insurance. This infographic demonstrates the most common scenarios for each policy, which will help you make decision suited to your situation the best.