life insurance question

All life companies have their own actuarial tables. These people have the horn rimmed glasses and the pocket protectors. To try and figure the tables out will make you go crazy.

Each company looks at the age of the proposed customer, mortality rates, the history of the people they have insured and amount of coverage and term or whole life.

The financial stability of the company plays a major role in their rates.

Low,low rates can be offered by fly by night companies or companies that are not very strong financially. Look for discounts when applying.