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Premium rates for life insurance are as complex as the individuals they are written for. The premium depends on a multitude of factors, including age, health, lifestyle, occupation and family medical history. But that doesn't mean you don't have choices and decisions to make.


Bargain prices for term life ending soon -- Tighter qualification guidelines are driving up the cost of term insurance, but it still costs less than half of what it did 10 years ago.

Getting insured no matter what ails you -- Contrary to widespread belief, you can buy life insurance if you've had a serious illness, and it pays to shop.

Dangers of depending on group life -- Group life can be a valuable supplement to your own coverage, but putting all your eggs in that basket can make you scramble later on.

ABCs of insurance medical exams -- Your medical exam can have a dramatic effect on your premiums and even determine whether you get the coverage you want. Here's everything you need to know about the tests.

The high insurance price of a risky life -- Daredevils beware! If you have a dangerous hobby, the most frightening thing you may encounter is the price of your life insurance policy.

Critical-illness plans are not for everyone -- Formerly called cancer insurance, these policies now are being written for more illnesses. But that doesn't make them a good buy.

Lapsing is OK, but not the best idea -- You have three options for ending your life insurance policy. Letting it lapse is the easiest, but not the smartest.


2004 Insurance Guide
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