Should you buy online life insurance? More often than not when you go to an online life insurance website you get an opportunity to receive quotes from many life insurance companies and then make a choice as to the amount of life insurance you want to buy and which type best suits you in your particular situation. A very few give you the opportunity to buy your policy there and then. Some even let you print out your policy on your printer. Others call you and send an agent out to take care of the paperwork. Let us look at the types of life insurance policies involved.

• Whole Life Insurance Whole life insurance is one you can select when looking at life insurance online.

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Numerous websites offer so-called preferred rates when quoting online life insurance rates. Many of these websites use preferred rates as their default premium in their instant quote calculators, even though less than 30% of all applicants qualify for these preferred rates.

Numerous variables can disqualify individuals from online carriers’ preferred rates
. These variables include:

1. Prior tobacco use

2. Height and weight

3. Cholesterol

4. Blood pressure

5. Driving record

6. Family history

7. Past substance abuse

8. Hazardous sports and occupations

9.

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