It's important that your insurer is financially stable. Ask about the highest ratings each service gives. Stick to companies that have had high ratings for five years or more. Applicants for life insurance usually have to have a physical check-up by a doctor chosen by the insurance company. People who represent the greatest risk to the company, because of age, illness or dangerous work, for example, pay the most for insurance-if they are able to get a policy at all.
Smokers pay more for life insurance.
Overweight people are usually charged more. Many companies charge women less since they have a longer life expectancy, but there are some that have the same rates for women and men. Fraud and false statements. When purchasing insurance, you will have to fill out an application form. A false statement can be enough reason for an insurer to refuse to pay your claim.