Open the mail, find a guaranteed life insurance advertisement. This stuff can work if you are looking for $10,000 benefit, because the price difference is not large in dollar terms. However, if any of these factors are different, then you should be more careful, because the premium can vary by 30% a year, which may not matter at $10 a month, but it does at $100/month.
Factors that make may work against you (or for you)
- Incurable disease
- Height / weight