THE FACTS ABOUT LOW-COST TERM LIFE INSURANCE
Many insurance companies claim to have the lowest long-term
guaranteed rates for term life insurance. However, qualifying
for these "best" rates is another story.
For instance, any family history of heart disease or cancer
may exclude you from receiving the best rate. A recent diagnostic
doctor's visit or recent hospital stay will probably disqualify
you, as well. And, if you have a history of cigar or pipe
smoking, many companies have much higher smoking rates that
will apply.
Although many insurance agents quote the "best" rates up
front, you'll probably find that higher rates end up replacing
them unless you're in excellent health. So it's essential
to work with someone who knows the insurance market and can
select the proper insurance company and policy to fulfill
your life insurance requirements.
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