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07.03.2014
I’ve put together a few of the factors listed below that influence Term Life Insurance Rates for different types of life insurance polices. Due to the increased risk of cancers and other diseases, tobacco users will pay more for their term life insurance. Older clients will see higher term life insurance rates depending on the coverage length, but this doesn’t mean that term insurance is not affordable. Actuaries use complex calculations to determine the relative risk factors of various health or family history issues.
Determining the face amount for the policy is an important calculation that should incorporate any outstanding debts, plans for children to attend college, and income replacement. Since most term life policies have flexible rider options, this can influence the final premium rates. Particularly on cash value accumulation products such as indexed universal life, carriers rely on certain speculations or predictions about the interest rate environment.
As we can see there are a lot of different factors that Influence your Term Life Insurance Rates.
Speights Risk Management is a family Life Insurance Agency that has been helping families and businesses for over 40 years. We work with dozens of carriers that will get you affordable life insurance without having to take a medical exam. You can use our contact form below or call our toll-free number direct at (888) 836-7071 and we’ll be happy to get you a free (yes, free!) no obligation quote. To help make the process smooth, be sure to give us plenty of info you can about your life insurance needs.
I acknowledge and understand that by submitting this form by clicking “Compare Rates”, I provide my express consent that I may be contacted by PolicyZip LLC via e-mails, SMS, phone calls and prerecorded messages at any phone number(s) that I provide, even if the number is a wireless number or on any federal or state do-not-call list. The most important thing to remember is that life insurance is a long term financial commitment. We will provide you with what you need to know so that you can find the best California life insurance policy that suits your individual needs. You should always use the website of an established independent agent such as Abrams Insurance Solutions when shopping online as you can be assured of receiving the most efficient and cost effective service. Please feel free to use our Instant Insurance Quote calculator on this web page to see how inexpensive life insurance can be for your family. Another reason is that you might not be buying the best product available and at the best price. An independent agent must be licensed by the California Department of Insurance and should be experienced enough to fully understand the product lines that each company represents.
Whether you live in San Diego, Orange County or San Francisco, Abrams Insurance Solutions has the knowledge and expertise to help you find the lowest priced insurance policy for your particular circumstances.


An independent agent is clearly the best way to find the best life insurance policy in the state of California. This is a very common question many people ask, and the best answer we can give you is also another reason why you should use an independent agent.
Each life insurance company is different and the criteria they use to rate a person varies so this affects how much you might be charged for a policy.
Using this information, we can look at the rating charts of each company and find you the least expensive policy available.
This is also one of the biggest mistakes people often make when it comes to buying life insurance because most people often don’t buy enough and are underinsured.
To avoid making this common mistake, we suggest you take the time to use our Life Insurance Needs calculator to help you clearly understand how much life insurance you need.
Another common question asked by many people is: “How much will life insurance cost to buy?”  To help you with this common question so you can find out how much you can afford, we suggest that you use the Instant Life Insurance Quote calculator located on this page. You simply choose the amount of insurance you need which is known as the “death benefit” and the amount of time or term that you want the policy in place. The other form of life insurance, which is known as “Permanent Insurance”, includes a variety of life insurance types such as Whole Life, Universal Life, Indexed Universal Life, and Variable Life insurance. A permanent life insurance policy has the death benefit like term insurance, but also has the added advantage of a cash value accumulation component which grows through interest accumulation. Smokers generally do have to pay more for life insurance because of the inherent health risks involved. Since not all companies are the same then it is best to find an agent like us who can find you the most competitive smokers’ life insurance policy. This also includes cigar smokers, along with those who smoke marijuana and tobacco chewers. You also want to find a company that will be willing to re-evaluate you should you quit and give you a lower premium to reflect the fact that you have made the effort to improve your health. There are many health variables and again you must remember that each company treats health issues differently.
In addition to life insurance, we provide health insurance (individual and group), long term care, and disability insurance.  We will guide you through the process of buying California life insurance from start to finish, and save you both time and money. Please use the quote form on this page, or call us at 888-905-0333, to purchase the best and least expensive CA life insurance policy for your family today. Chris and his team work with clients across the country to help them navigate the insurance and financial world.
The following agent license numbers are provided for Chris Abrams as required by state law: CA agent #0H16033, UT agent #387587, TX agent #1680031. Besides the risk that policyholders represent to the company as far as potential future claims, the carriers also look at their book of business and the goals they hope to achieve in order to accurately price their products.


On the whole, term life insurance is one of the most affordable and reasonable options for today’s consumers.
Working with mortality data, actuaries are charged with determining how much a rate should be altered based on the data provided by the applicant. Why does this matter for term life insurance rates?  Term life insurance is typically only one product in a carrier’s portfolio.
For that reason, depending on the interest rate environment at the time of application, term life insurance rates may be fluctuating low to encourage more sales of those policies to make up for losses in their cash value products. I understand that calls may be placed using automated technology, and that consent is not a requirement for purchase.
These policies cost a few more dollars than standard policies but you don’t have to bother with a medical exam and can get covered sooner from anywhere from a few days to as quick as 15 minutes.
His mission is to help people and businesses have the protection they need at the lowest possible price. For these reasons, term life insurance seekers are encouraged to add needed riders at the outset of their policy.
For a very affordable cost, individuals can obtain protection for their families for whatever term they deem necessary (typically between 10-30 years) and can even opt for a no medical exam life insurance policy. For those who dislike getting poked with a needle and like the convenience, or if you need life insurance now then consider a no exam life insurance policy. The most obvious ways that carriers break down the cost of term life insurance is by separating smokers from nonsmokers. Since many factors can influence the final rates in the premium calculations, it’s helpful to receive a term life insurance quote to get a sense of the cost.
When not researching the latest financial and insurance topics, Chris can be found spending time with his family, traveling, cooking or running on the beach. Although most carriers will have their own approach to classifying these two rate classes, a general guideline is that those who have quit tobacco for a solid two years may be considered for nonsmoker rates. Use a calculator or quote engine from any reputable website to view affordable term life insurance quotes before putting in for an application. Disclosure: The information provided on this website is not intended as tax or legal advice.



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