For example, you're a 50 military fighter pilot with high blood pressure. In other cases, lowering your weight and deciding not to jump out of air planes can lower your life insurance rates. There are several factors to consider when purchasing a life insurance policy. It all depends on your particular situation. For more information on how to determine how much life insurance is right for you, see our life resources section.
Cash value is the interest earning section of a whole, variable, or universal life insurance policy.
Part of your annual policy premium goes to the cash value and earns interest. It's actually more complicated than that, but that's a very simple explanation. See our health insurance resource section for more information. Shopping around is about the best way we know of lowering your health insurance premium. But be careful.