If you are extremely disabled, this rider can provide an advance on your life insurance payout to help ease some of the financial burdens of your disability.

Mental health conditions, including bipolar disorder, are considered a pricing factor for life insurance.

Many choose to chew nicotine gum in an effort to quit smoking, but insurance companies will still give you smokers rates if you use any nicotine products.

Life insurance companies consider many factors when determining premiums, including height, weight, and overall health.

Insurance companies look at health conditions, including sleep conditions when determining premiums and eligibility for coverage.