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Life Insurance-

Actual Age vs. Nearest Age Explained for 2016 I have been doing insurance for many years and have done thousands and thousands of life insurance applications.  Every day this topic comes up because quite frankly, it doesn’t really make sense.    Most life insurance companies calculate your premium by using what is called the “nearest age” rule.  What this means is the insurance company will round up your age to the nearest birthday by 6 months.  You can also look at is they go by your half-birthday day- you know as you used to say when you were a kid.  Compare […]