Reader’s Question:

My twin brother recently got himself a life insurance policy and I’d like to get one, too, in Orlando Florida FL. Will I get the same life insurance premiums as his?

Marcus

Orlando, FL

Marcus, life insurance is really not some piece of clothing you can buy off the rack. In fact even with clothing there will always be differences between you and your twin brother. It may be the same shirt with the same brand and the same size but you may want different colors. This is true, Marcus, for life insurance as well. It all depends on what you want to get, and how much you are willing to pay, although your profile and health condition also play a part in determining your life insurance policy premiums.

What you and your twin brother can do is check for quotes online, similar to what you can do on this page. If you would, Marcus, kindly take a look at the top of this page where you see a space where you can enter your zip code in Orlando Florida FL. If you and your brother answer the questions that will be asked of you, you will be given five quotes at the end of the questionnaire. Try not to compare your answers with one another, and answer truthfully and candidly, as much as you can. You will see that this very same tool will yield different results for you and your brother.

I am not totally eliminating the possibility that you can still come up with the same policy and preferences and therefore same premiums and life insurance package. All I am saying is life insurance packages are dependent on many factors other than date of birth, blood type and color of eyes.

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