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Preferred Plus - No adverse medical history. Not under medication for any condition. No family history of early cardiovascular disease or cancer before age 60. No tobacco use in the past 36 months.
Preferred - No adverse medical history. Well controlled blood pressure. No history of substance or alcohol abuse within 10 years. No tobacco use in the last 12 months. No history of early cardiovascular death of either parent before age 60.
Regular Plus - Minor health impairments. Well controlled blood pressure. No tobacco use is past 12 months. No cardiovascular death of not more than one parent before age 60.
Regular - Some health impairments. No tobacco use is past 12 months.
Level Term: The policy has a fixed premium for a period of time longer than one year. These terms are commonly 5, 10, 15, 20, 25, 30 and even 35 years. With level term insurance the benefit does not decrease.
Return of Premium: The policy returns the premiums you have paid for coverage over a fixed term period if coverage is never used.
In order to make a decision about the right amount of life insurance, it's important to consider the reasons you are purchasing a policy. If providing for your family, you should have enough insurance to make up for the loss of your salary for the rest of your working years. If protecting your business and business partners, you should estimate the out of pocket costs necessary for the business to proceed with one of the key persons.
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