Finding free life insurance quotes online is relatively easy in the vast internet marketplace in which policies are commonly bought and sold. There are a number of ways one can go about gathering quotes and comparing rates. There are many websites now devoted to providing quotes from multiple companies, as well as the individual company websites themselves.

Factors that May Affect Quotes

A typical application form for a free insurance quote website will involve a few key health questions. Information provided about one's tobacco use is a big determining factor in how much a consumer will pay in premiums. Websites differ in how many years they will hold an applicant accountable for these types of lifestyle choices.

Some may only need to know if an applicant has used tobacco within the previous year. Others may break it down into five and ten year increments, with an option for never having used tobacco at all. While it may seem worthwhile to try and "beat the system," lying about any health compromising behaviors or known conditions can result in company's refusal to pay benefits when a claim is made.

Other typical health information requested includes any history of cancer or cardiovascular disease, as well as current conditions like diabetes. Some sites will want more specific information like cholesterol level as well. Each company varies in the criteria they use to judge one's mortality risk, so consumers are encouraged to shop around for the best rates.