Does life insurance require credit check?

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asked Feb 25, 2019 in Insurance by margretwb2 (240 points)
Does life insurance require credit check?

1 Answer

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answered Feb 25, 2019 by Aklessia (360 points)
Life Insurance does almost always require a credit check that is used to help determine your life insurance premiums.

Your credit score is used to help determine your risk to the life insurance company as a lower credit score makes you more of a risk to insure while a higher credit score makes you less of a risk to the insurance company.

Your health is also used to determine your life insurance rates and some life insurance companies even require a medical exam prior to them issuing the life insurance policy.

Your credit score also determines your insurance score and the lower your insurance score the more a risk you are and the higher your insurance score the less of a risk you are.

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