When selecting the best life insurance company:
- Pick out and rank important factors, like company ratings, average application time, policy types and riders, and a company’s customer service and experience.
- Look at which insurance company is best for your personal health profile.
Life insurance costs are determined largely by how risky you are to insure. That means health conditions like cancer, diabetes or a history of smoking, along with other factors like dangerous hobbies and military service, can raise your premium considerably.
But some life insurance companies are more accommodating with certain health conditions.
If there are any factors that you need to take into account, a licensed professional can help you.