Every life insurance product has a minimum and maximum age limit. Generally the cost of insurance increases with age. Some companies quote using your actual age, while other companies use your "nearest age". Nearest age only affects you if you are within 6 months of your next birthday. We calculate both your nearest and actual age, and quote the appropriate rate for each.

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Often, there are different life insurance rates for males and females, however there are a few states in which your gender does not affect the cost. We will quote you the appropriate insurance products and rates, based on your state and gender.

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Below, please find a list of tobacco and nicotine products. Please indicate how recently you have used any of these products.

• Cigarettes
• Cigars
• Pipe
• Chew or Dip
• Snuff
• Nicotine Patch
• Nicotine Gum
• Other Nicotine Products

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The coverage length you choose may affect policy cost and availability. All of our policy rates are guaranteed by the carrier for the full term, although you may cancel the policy at any time before the guarantee period is complete.

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