Finding your best life insurance policy

Learn how to find the right life insurance policy and how medical history, hobbies, and lifestyle choices can impact your rates.

The basics

Life insurance is the most personal type of insurance you’ll ever purchase. In addition to your age and gender, factors like health conditions, family medical history, and hobbies, can impact the type of policy you need and how much you’ll pay.

Family holding hands
Life insurance rates, explained
How family history affects your life insurance rates
Young adults laughing outdoors
How smoking affects your life insurance rates
Can you take out a life insurance policy on someone else?

Life insurance & family

If you’re shopping for life insurance, you’re trying to protect a partner, child, or other loved one, since the death benefit can help your family avoid unmanageable financial debt when you’re gone. Learn more about shopping for life insurance if you are:

Life insurance & you

Your stage of life and other personal details can impact your life insurance rates and needs as well.

Life insurance & lifestyle

Cooking, golfing, or painting won’t affect your life insurance policy. But riskier hobbies, jobs, lifestyle choices, and even certain dietary preferences might, including:

Life insurance & your finances

Several financial conditions could also impact your life insurance rates and policy options, like your employment status and your income.

Life insurance & health conditions

Since insurance companies use your life expectancy to determine how "risky" you are to insure, the following pre-existing medical conditions can impact your life insurance rates and your policy shopping decisions.

Why honesty matters on a life insurance application

Even though an adventurous hobby might increase the cost of your life insurance, it’s important to be completely honest about it in a life insurance application. If your life insurance company finds out that you lied on the application, they can invalidate your coverage when you die and not pay out the death benefit to your beneficiaries.

Working with an independent agent can help you get the most competitive life insurance coverage for your needs. Policygenius agents compare multiple insurance companies on your behalf and recommend policies based on your unique health and hobbies. You can also use our free coverage calculator to make sure you're getting the right amount of life insurance.