How Your Occupation Affects Life Insurance Rates
Pilots, military members, offshore workers, and other hazardous jobs pay surcharges. Learn how occupation ratings work and how a job change affects your price.
Topic
Life Insurance
99 guides
Men vs Women Life Insurance Costs: How Gender Affects Your Rate
Women typically pay 15-25 percent less for term life than men. See the rate gap by age and which factors matter more than gender.
How BMI and Weight Affect Your Life Insurance Premium
Your build can move you a full health class. Learn how weight affects life insurance rates and what to do before you apply.
Life Insurance for Vapers and Nicotine Users: How Your Rates Compare
Some insurers rate vapers like smokers, others are lenient. See where vaping falls on the pricing scale and how to get the best rate.
What Happens to Life Insurance Costs When Your Term Expires
When your level term ends, renewal rates can run several times your old premium. Here is what renewal costs, how conversion works, and how to avoid…
Term Life Insurance Cost by Health Class: What Preferred, Standard, and Table Ratings Mean
Your health class can change your term life premium by 40-60 percent or more. See what each rating tier costs and how to land a better…
What Happens When Life Insurance Lapses: Grace Periods and Reinstatement
A lapsed life insurance policy means no coverage and usually no refund. Here is how grace periods work, when reinstatement is possible, and how to make…
Life Insurance for Veterans: VGLI and VA Options Explained
SGLI, VGLI, and VALife give veterans guaranteed access to life insurance, including no-health-questions conversion after separation. Here is how each program works and the application windows…
Is Life Insurance Taxable? The Rules That Actually Matter
Death benefits are generally income-tax-free, but sales, estate taxes, surrenders, and MEC status can create tax bills. Here are the rules that actually matter.
Life Insurance in Divorce: What Courts Usually Require
Divorce decrees often require the paying spouse to carry life insurance securing child support or alimony. Here is what courts require, the beneficiary mistakes to avoid,…
Policy Loans: How Borrowing From Life Insurance Works (and the Risks)
Borrowing against your life insurance cash value is fast and requires no credit check, but unpaid interest compounds and the loan shrinks the death benefit. Here…
The Life Insurance Suicide Clause: What It Is and How Long It Lasts
The suicide clause lets insurers deny the death benefit for suicide within the first two years, then coverage applies normally. Here is how it works, what…
