Top 3 Things That Make Life Insurance More Expensive

We get it—Life Insurance isn’t the most exciting topic to talk about. But it is one of the most important decisions you can make to protect the people you love. At Moser Insurance Group Inc., we believe in making these conversations easy, honest, and helpful—especially when it comes to helping you save money.

Whether you’re exploring Term Life, Whole Life, Universal Life, or even IUL Life, knowing what affects the cost of life insurance can help you make a smart, affordable choice.

Here are the top three things that tend to drive life insurance premiums higher—along with a few tips on how to stay ahead of them.

1. Age: The Sooner You Buy, the Better

One of the biggest factors in the cost of life insurance is simply how old you are when you apply. The younger you are, the lower your rates are likely to be. Why? Because statistically, younger people are less likely to pass away during the policy term—so the risk to the insurer is lower.

Our Tip:
If you’re in your 20s, 30s, or 40s, now is a great time to lock in a low rate on a Term Life or Whole Life policy. Even if you’re a little older, don’t wait—rates only go up with age.

2. Health Conditions: Your Medical History Matters

Health is another major factor. High blood pressure, diabetes, heart issues, and other chronic conditions can all increase your premium—or in some cases, limit the types of coverage available. Insurers also look at your height and weight, cholesterol levels, and even family medical history.

Our Tip:
Don’t worry if you have a few health concerns. At Moser Insurance Group Inc., we work with multiple carriers and can often find policies that work with your situation—especially for Universal Life, IUL Life, and Burial Insurance.

3. Tobacco Use: A Pricey Habit

Using tobacco products (including cigarettes, cigars, or chewing tobacco) can double or even triple your life insurance premiums. Why? Because it increases your risk for a variety of serious health issues.

Our Tip:
If you’ve quit smoking recently, let us know! After 12 months tobacco-free, you might qualify for non-smoker rates, which can lead to major savings.

We’re Here to Help—No Pressure, Just Answers

At Moser Insurance Group Inc., we’ve helped hundreds of individuals and families across Greensboro, High Point, Winston-Salem, Burlington, Archdale, Trinity, Asheboro, Randleman, Raleigh, and Charlotte, North Carolina find affordable, personalized life insurance options.
Whether you’re looking for:

• Whole Life, Term Life, or Universal Life
• IUL Life policies with cash value growth
• Burial Insurance or Final Expense Coverage
• Or even support with Affordable Health Care, Medicare Supplements, Annuities, or the Healthcare Marketplace in NC—we’re your local, trusted resource.

Let’s Make Life Insurance Simple and Affordable

Not sure where to start? Let’s talk. We’ll help you understand your options and find the right fit for your life, your health, and your budget.