Medical history, including disease, prescription medications and your family history make the biggest impact on price of life insurance. Your use of tobacco also has a large effect on life insurance premiums.

So basically, if you have never smoked or used tobacco, you’ve never been diagnosed with a disease, you eat healthy, exercise regularly and all of your relatives died after the age of 80, you will be a super preferred life insurance client!

If you are not in this category please, don’t worry. It may cost a few more dollars but most life insurance companies will accept your money in return for peace of mind for you and your family.

Agency 54 has licensed independent-agents that will simplify the process, help you understand the jargon and clarify the fine print so you know exactly what you’re paying for.

We work for you not the insurance provider and we can help compare multiple policies to find the best policy for your unique needs.