05/20/2012 04:26:42 AM



76 Weston Street (Route 20) - Waltham Ma 02453 | Tel 781-893-0885 | Fax 781-893-1489
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We have the most competitive auto insurance programs around.
Homeowners Insurance
Everett & Sons Insurance offers competitive homeowners insurance programs.
Life Insurance
Personal Life Insurance Programs.
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How much will Life Insurance Cost?
How Much Will Life Insurance Cost?

Different insurance companies charge different rates for their life insurance. Comparing costs can be very difficult. For example, one company might offer a competitively priced policy for 25-year-olds, but not for 40-year-olds.

There are some common factors that insurance companies use to decide how much to charge you for the kind and amount of insurance you want to buy. These include:
  • your age and gender;
  • your health and health habits (such as smoking);
  • your family health history;
  • whether you are engaged in a hazardous occupation, or have dangerous hobbies (such as auto racing or sky diving).
The insurance company will get this information from your application, and may ask you to fill out a health questionnaire, or have a medical examination. Once they have the information, the insurance company will decide if your risk of death is average or greater than normal for your age and gender. If they believe the risk is greater, they will charge you more than normal. (This is called being rated.) Remember, a different company may not believe your risk is greater than normal, and may charge you their standard rates.

If you are "rated," you should be told the reason, such as poor health or a dangerous occupation. If the reasons for the original rating improve, tell your insurance company and ask them to review the situation. Your premiums might go down.

Another major difference in determining insurance costs will be the insurance company's administrative fees and expenses, including overhead, agent commissions and other costs of doing business.

Source: Massachusetts Department of Insurance

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Curt Everett
Frank Everett
Barbara Everett Colburn
Jerene Everett
Janine Everett Tringale
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