Cheap Life Insurance Discount CA

Reader’s Question:

Does people in better than average health condition get cheaper life insurance rates in California?

Valerie

Los Angeles, CA

Absolutely, Valerie.

There are super cheap life insurance rates in California for people in excellent health, with good family history, and who meet underwriting criteria. Be advised however, that these super discounts are available only if you qualify for based on the insurance company’s specific criteria.

Each company in CA has different guidelines for qualification to the super preferred rate class, which is normally the cheapest life insurance type they can offer a candidate for every type of insurance policy. It is normally more difficult to qualify than the standard rates.

To avail of this preferred rates, or super discounts if I may say, you have to go through medical interview, in which you will be required to submit urine and stool samples. A medical professional will conduct a one-on-one interview and checkup. An underwriter who works for the life insurance company will also conduct a one-on-one interview with you to verify your medical history, family history, and current activities and work that may affect your medical condition in the future. After the interview, a phone follow though might me conducted to verify the information you gave during the underwriting process.

For you to check availability of these preferred rates in CA, simply type in your zip code on the provided space on this page.