What is a life insurance rate class and how do insurers determine yours?
Answered by 5 licensed agents
Answered by Tim Cassidy on July 30, 2026
Broker Licensed in TX, AL, AR & 35 other states
Answered by Dominic Javier on August 4, 2026
Broker Licensed in TX
Health and medical history: BMI Blood pressure and cholesterol
Current prescription history or chronic illnesses
Family medical history: Hereditary conditions or early-onset diseases in parents/siblings
Lifestyle choices:
Tobacco or nicotine use
Alcohol or substance use history
Dangerous hobbies (e.g., skydiving, pilot licensing)
Driving and background records:Speeding tickets, DWIs, or criminal history
All of these are factors used to determine your rate class
Answered by Mark Boone on September 18, 2026
Broker Licensed in MN, FL, MI, NC, SC & VA
Your rate is based on factors like your age, health, medical history, tobacco use, lifestyle, and, in some cases, the results of a medical exam.
Answered by Moishe Zirkind on July 30, 2026
Broker Licensed in NY, AZ, CA & 12 other states
Answered by R Scott Bradley on July 31, 2026
Agent Licensed in WV
Tags: Rates and Costs
Agents: Share Your Expertise
Have insights or experiences related to this topic? Help others by sharing your knowledge and answering this question.
Seniors: Ask a Question of Your Own
Questions are generally answered within 1 to 3 business days. Receive valuable perspectives from multiple licensed agents and brokers.
Ask a Question