Life Insurance - 66% Of Applicants Face Loaded Premiums

If you're lucky, you'll get a life insurance quotation that you are happy with, progress to application, and get yourself insured within 48 hours at the original price quoted. Unfortunately this isn't the case for 66% of applicants - who face delays and loaded premiums. So why is this happening? Well, life insurance companies provide quotes based on the 'perfect person' - which basically means you must be 45 or under and in excellent health, have no hereditary illness in the family, work in an office and want no more than