With the return of premium rider, you pay higher life insurance premiums for the opportunity to get all of your money back if you live past the term on your life insurance policy. (quotacy.com)
Applicants who are older or have health issues might need to get a health exam and would likely pay higher life insurance rates if approved, however. (studentloanhero.com)
If you're concerned about paying higher life insurance premiums because of your pre-existing condition, taking steps to improve your health can potentially put you in a lower risk category. (healthiq.com)