With so many factors at play, it can be tough to determine what you'll pay for life insurance. Quote tools can be helpful, but they don't always explain what determines your rate.
Fidelity Life offers three rate classes that start with the best-rate Tier 1. In general, living a healthy lifestyle is the best way to a lower life insurance rate, including:
No tobacco use within the past two years and no recreational cannabis use period.
A family history with one or fewer deaths from coronary artery disease, cancer or diabetes prior to the age of 60.
A clean criminal record — no felonies, misdemeanors or probation — for past five years.
No alcohol or substance abuse in the past five years.
Overall cholesterol level below 240 with a 6.0 HDL ratio.
A clean driving record — no DWIs, DUIs, suspensions and other convictions — in past five years.
Blood pressure level of 140/90 or better.
Lower-risk occupation or hobbies for the past two years and foreseeable future.