Life Insurance FAQ

Buying life insurance can be a complex and confusing decision. For many people the challenge of planning for the unknown while staying within a budget can leave heads spinning. Fortunately, we've taken our years of industry experience and pulled together some of the most frequently asked questions regarding life insurance. If you have a question that is not included in this section, call our life insurance specialists at 1-800-521-7873.

Have Questions?

Get a Free Quote

Use our Smart System™ to compare quotes from top life insurance companies.

Do men pay more for insurance?

Generally speaking, they do because statistically speaking, men die younger than women. Life insurance rates are based on potential risk, and men as a statistical group are riskier to insure than women, so they pay higher rates. Men die younger than women of almost every typical cause of death that leads to a life insurance claim, including heart disease, stroke, diabetes, and cancer. Life expectancy for both men and women continues to rise but men are still considered to live shorter and riskier lives. That is why younger is better when it comes to men and life insurance. A healthy, non-smoker man of normal weight and under age 45 could pay about the same for a term life policy as a woman. But the older he gets the higher a risk he becomes to insurance carriers.

We only quote top-rated life insurance companies you can trust See more companies