Life expectancy is one of the major factors that insurance companies consider in determining life insurance rates. The determining process is called underwriting wherein they look into the life of the applicant. They go through details like age, sex, height, weight, health, health history, family health history, and others.
Senior life insurance rates are higher compared to individuals who are much younger for the simple reason that seniors are more of a risk to insure. For this, there is term life insurance for seniors.
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