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Top 10 Factors Affecting Life Insurance Premium Costs

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Premiums and Factors That Determine Them 

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Premiums and Factors That Determine Them 

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The average life insurance premium per month is $67.88 for a $250,000 life insurance policy.
Factors that determine premiums-
1.Age
2. Gender
3. Physical Condition
4. Smoking
5. Your Medical History
6. Your Family's Medical History
7. Occupation

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Sources Page

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What Are Beneficiaries and How Do They Receive Payment? 

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What Are Beneficiaries and How Do They Receive Payment? 

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There are 2 different beneficiaries in life insurance: the primary beneficiary and the contingent beneficiary. The primary beneficiary receives payment when the policy holder dies, like and inheritance. The contingent beneficiary receives payment if the primary beneficiary dies before the policyholder does.

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Term Life Insurance- A policy that covers you for a set period of time, so once the policy expires, so does the coverage.
Whole Life Insurance- Whole life policies provide that last a lifetime as well as fixed premiums and cash values
Universal Life Insurance- Universal life policies are part of the permanent life insurance family, they come in 3 types: Guaranteed UL, Indexed UL, and Variable UL
Variable Universal Life Insurance- An insurance policy in which the face value changes based off of factors such as securities, equity products, or the value of a dollar.

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Life insurance is " insurance that pays out a sum of money either on the death of the insured person or after a set period