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Featured Insurance Blog

5 Factors that impact a life insurance policy in Atlanta, GA

Life insurance is often misunderstood.

Despite being essential protection for you and your family, many Americans don’t understand how life insurance is even calculated. Yet, it doesn’t have to be a mystery.

Rob Hill Insurance Group can help. In a process known as underwriting, the agency will analyze demographic components to determine what policy is ideal for you. In order to better explain the process, the agency lists five factors that impact life insurance rates the most.


Payout and length directly influence pricing. Term life insurance, which expires after a set number of years, usually costs less. In contrast, permanent life insurance contains guaranteed benefits, making it more expensive.


New life insurance policies become more costly as you get older. In general, younger people have greater life expectancies and more opportunities to pay premiums. As a result, locking in rates at an early age is encouraged.


Women typically pay less than men. Again, this is due to life expectancy. On average, women in the U.S. live five to seven years longer than men.

Medical History

Pre-existing medical conditions will increase rates. Insurers will also consider your family’s medical history as well. Chronic illness, like cancer or heart conditions, could result in coverage being denied entirely.


High-risk behaviors and dangerous occupations can negatively impact your life insurance policy. In addition to looking at your career, agencies will review how you spend your free time too. This could include examining criminal history, driving records, travel overseas, or even your finances.

Contact an agency serving in Atlanta, GA

Life insurance is too important to be overlooked. Rob Hill Insurance Group is here to answer any questions you may have. Their experienced professionals will evaluate these factors and determine the right policy for you. Schedule an appointment today.