Preferred Rates

Insurance companies in some cases offer preferred rates on certain types of insurance products. The difference between regular standard rates and preferred rates can be substantial. Pricing differences are even greater for temporary insurance such as term insurance. Many insurance companies do not provide preferred rates on permanent life insurance such as universal life or whole life. 

Insurance companies look at a wide variety of factors in determining whether to price policies on a standard basis or preferred basis. Insurers look at things including:

  • Tobacco use
  • Weight and Height
  • Blood pressure
  • Cholesterol levels
  • Drug use and drug abuse
  • Family health history
  • And many other factors

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