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Factors determining your California life insurance rates

The type and amount of life insurance will determine how high your rates get.

Steps To Determine How Much Life Insurance You Need:

  1. Determine how much life insurance you need based on the factors mentioned above.
  2. Decide how much money you can afford to pay.
  3. Choose the type of life insurance policy that meets your coverage goals and current family budget.
Fitting these two factors together will move you toward a successful overall financial plan.

Also an insurance carrier will take into account that people are living longer, (due to healtier lifestyles and better medical care).

One exception is woman smokers. They are living even shorter lives, and paying higher premiums in the meantime.