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Category:Life Insurance110
Rates & Pricing in Life Insurance
8 articles found
Life InsuranceAffordable Life Insurance: How to Find the Cheapest Coverage
Affordable life insurance is the result of three buyer choices: the cheapest product type (term life), the lowest-rate carrier for your specific health profile, and an underwriting class that matches your actual health. This guide shows sample rates from the cheapest A-rated carriers, the 7 levers that move buyers into the lowest rate class, and the trade-offs between paying $11 a month versus $30 a month for the exact same coverage.
Brian Greenberg•Updated Jun 2026
Life InsuranceBuy Term and Invest the Difference (BTID): The Math + When It Wins
Buy Term and Invest the Difference (BTID) is the strategy of buying inexpensive term life insurance instead of whole life and investing the monthly premium difference in a low-cost diversified portfolio (typically an S&P 500 index fund or target-date retirement fund). The math is compelling for most buyers because term costs 5 to 20 percent of whole life for the same death benefit and the difference, invested at a 6 to 8 percent average annual return, typically grows to more than the cash value of the whole life policy would have. This guide breaks down the math with realistic numbers, the four buyer profiles where BTID wins, and the three buyer profiles where whole life or IUL actually beats BTID.
Brian Greenberg•Updated Jun 2026
Life InsuranceBest Life Insurance For Cigar Smokers & Nicotine Users
If you smoke, you probably think that affordable life insurance is not an option. It’s true that smokers pay more for life insurance, but with some effort, you can find a policy that will fit your lifestyle and your budget.
Brian Greenberg•Updated Mar 2023
Life InsuranceHow a DUI Affects Your Life Insurance Rates
In addition to your health, your driving record is also considered when you apply for life insurance. Here’s how a DUI affects your life insurance rates.
Brian Greenberg•Updated Mar 2023
Life InsuranceHow Life Insurance Companies Decide Your Policy Class
Learn more about how insurance companies decide your class. This class ultimately determines what price you are eligible for, from lowest to highest.
Brian Greenberg•Updated Jul 2022
Life InsuranceMarijuana and Life Insurance: Understanding the Changing Landscape
Getting good rates on life insurance as a marijuana smoker is largely based on the frequency you consume and the insurance company’s rules regarding it.
Brian Greenberg•Updated Jul 2022
Life InsuranceWhich Jobs And Hobbies Affect Life Insurance Rates?
Skydiving, among other hobbies, may be a blast to do, but they will also affect your life insurance rates. Depending on the company, you may be downright denied.
Brian Greenberg•Updated Jul 2022
Life InsuranceDave Ramsey Life Insurance - What Does He Recommend?
Dave Ramsey has three firm opinions about life insurance.
Brian Greenberg•Updated Jul 2022