Comments on: How much does term life insurance generally cost? http://blog.accuquote.com/2007/04/04/how-much-does-term-life-insurance-generally-cost/ AccuQuote blog is brought to you by AccuQuote.com, a leading provider in term life insurance for people across the U.S. This blog is dedicated to providing you with valuable information from experts on the topics of insurance, financial planning and personal finance. Fri, 12 Mar 2010 18:34:29 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: Jerry http://blog.accuquote.com/2007/04/04/how-much-does-term-life-insurance-generally-cost/comment-page-1/#comment-4303476 Jerry Wed, 04 Apr 2007 22:26:48 +0000 http://blog.accuquote.com/?p=865437#comment-4303476 Health choices (and some things that aren't choices, alas) definitely play a role in how much it will cost to get life insurance. Selling insurance to clients who engage in riskier behaviors, like smoking for an easy example, must be more of a challenge with the increased cost. <BR><BR>How long would you say that a potential client would have to have been tobacco-free in order to bring that additional cost back down to the non-smoker range? Would the mere history of smoking for an ex-smoker still affect their rates? Is there an insurance-rates carrot out there to help motivate those who really wish to quit?<BR><BR>Thanks for all the information! Great blog.<BR><BR>Jerry<BR> Health choices (and some things that aren’t choices, alas) definitely play a role in how much it will cost to get life insurance. Selling insurance to clients who engage in riskier behaviors, like smoking for an easy example, must be more of a challenge with the increased cost.

How long would you say that a potential client would have to have been tobacco-free in order to bring that additional cost back down to the non-smoker range? Would the mere history of smoking for an ex-smoker still affect their rates? Is there an insurance-rates carrot out there to help motivate those who really wish to quit?

Thanks for all the information! Great blog.

Jerry

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