When you are thinking about purchasing term life insurance, you are typically required to provide a great deal of personal information to the insurance companies from whom you are seeking insurance quotes. Some people feel uncomfortable providing this kind of personal health information to complete strangers. They are not asking because they want to pry into your persona life in general and/or your medical history in particular. Rather, they are asking you to provide this kind of information (such as your history of smoking cigarettes, if you have any) because all of this information gets factored into the formula they use to determine how much to charge you for your term life insurance policy. You see, insurance is not a “one size fits all” kind of business. Each client is unique and has unique needs and term life insurance policy requirments.
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