Why Does Life Insurance Cost More For Black People? 
As an independent life insurance broker for over 20 years and of scores of life insurance carriers I can honestly say I have never been asked this question . Not only is this against the law but there is no question on an application that asks for someone 's race . There is no known link that a person 's skin color has anything to do with their mortality . I am not sure what source your information was derived from , but I can assure you that it is not true with life insurance . 