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Most people generally understand that some people have higher risks than others in the minds of the life insurance companies and people who have higher risks to pay higher premiums for the same amount of coverage on other people who are about their same age and the same sex (and, in extreme cases they may be denied coverage at all). But many people do not know how easy it is to be a higher risk.

Most people who will ever know for life insurance that the industry has three major categories for the assessment of risks and premiums, the number automatically in a policy: Preferred Plus, Preferred and Standard. Then, on top of that there is another pair of risk assessments, which everyone receives either one or the other: smokers and nonsmokers. Just because you do not smoke, you are fated to mere default risk. Many people signed a Preferred smokers.

People are aware that smoking increased risk than non-smokers and people who for more than a minimal amount of life insurance (usually through
$ 70,000 on average) have a physical to see what they are for premium (except in cases where people are "guaranteed issue" life insurance, but the premiums for this type of policy are so high and the upper limits on their face amounts so strict that it is not worth it unless you have no other way of life by a sort of heavy state). But most people do not know that many life insurers each type of tobacco , and that includes the "social smoking" or the use of chewing, for example, as is the use of two-pack-a - day regular cigarette smokers. And here is another matter: Some life insurance companies have actuaries and underwriters who Worry more about your way of life, as they have about your health or your medical records.

For example - are you fit as a fiddle, in the prime of youth or middle age, never smoked a day in your life, always drink your daily V-8, and have a great family story from a medical point of view ... But you love it in a kayak whitewater rapids, mountains, ski and Black Diamond moguls? Guess what? You may very well be called "High Risk" and be forced to pay very high premiums of the many life insurance companies.

William Carroll, an actuary with the American Council of Life Insurers (ACLI), said, "The healthy bungee jumper scares me more than good medicine money manager in midtown Manhattan. "

Here is another factor related to your medical condition: Some life insurance companies care more about your mental health as your physical health. Let's say you are exactly like the above person is physically, but instead of skiing or other activities that you find on antidepressants. Even if these drugs are good, you will probably pay a higher premium than you normally without medication. Why? Well, actuaries know that people who are on antidepressants tend to fall into depression than others, and people who are depressed are more likely to kill, and thus pose a greater risk for the finances of the insurance. It sounds cold heart to think about this issue in a manner calculated, but this is the role of actuaries and underwriters - they have to accurately assess risk and price or the company in danger of going bankrupt due to many high claims and no one is in all.

And even if it is a federal initiative for the life insurance companies to try to say you are a higher risk on where you live, and they can make assessments on where you like to travel. Do you have relatives in Sudan, you are to visit three times a year? You pay a higher premium than the next-door neighbor of the same age and sex, are hardly out of the state.

The good news is that you can use the life insurance and online rate comparison service to find life insurance companies that are not so afraid of your personal life or pharmaceutical daring and you can even find them through specialized life insurance companies active in underwriting people like them. If you think you have a higher risk, make an appointment with your local broker and online check-out places like Progressive Insurance and AccuQuote.

The author lives with her husband in Maryland, USA, with her two dogs and cats. They combined the website http://www.affordable-life-insurance-guru.com to the everyday person navigate the often confusing world of life insurance