Why Does Life Insurance Cost More For Black People? 
There is no discrimination in life insurance prices for any person based on race , religion , or sexual orientation . If you are a healthy black male or female , you will most likely get your lowest cost by applying for a policy that requires an exam -LRB- called medically underwritten life insurance -RRB- . If you have health issues , do n't just automatically buy guaranteed issue policies that do not require any health information . While easy to get , they have a high price tag for the amount of coverage you get . Have a qualified agent determine if you can qualify for medically underwritten life insurance , or there may be simplified issue plans that can secure you a lower cost . 