The insurance prices you pay actually depend on something we have not stressed before: your health status.  For example, a 50-year-old male who is in exceptional health would pay only $23.85 per month for a 20-year policy whose death benefit is $100,000. In contrast, a 50-year-old male in only average health would have to pay $38.69 for the same contractual terms. As you can see, the 62% markup is quite a substantial incentive to prove you are in exceptional health (if you are) when purchasing life insurance. (more…)