Life & Disability Insurance FAQ
Straight answers to the questions I get asked most — on cost, health conditions, the process, and choosing the right coverage.
PWritten and verified by Phillip Chin · Licensed broker · NPN #8895251
Answers, in plain English
If your question is not here, call or message me directly — I would rather give you a straight answer than have you guess.
What It Costs
Cost & pricing
How much does life insurance cost?
A healthy 35-year-old can often get $500,000 of 20-year term for roughly $27 to $28 a month. Your rate depends on age, health class, tobacco use, term length, and coverage amount. Women generally pay less than men of the same age. Full guide →
Why do two people get quoted different prices?
Every carrier writes its own underwriting rules. The same applicant can be quoted very different rates depending on which company reads the file. Comparing carriers is exactly where an independent broker earns their keep. Full guide →