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Converting term life insurance to whole life insurance is a fairly simple process. The insurance carrier will not charge a fee to switch you to permanent life insurance, but it will increase your premium rate.
The average Canadian male and female has a body mass index (BMI) of 27.4 and 26.7, respectively. Most overweight people can still qualify for affordable life insurance rates, provided they do not have underlying health conditions.
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Underwriting helps insurers figure out the financial risk a person poses to them, by gathering details about an applicant and using an actuarial table to calculate how long they are likely to live.
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