Average life insurance rates in Winnipeg are impacted by various factors such as your gender, age, lifestyle choices and any pre-existing conditions. These factors influence your life expectancy and your of risk illness — impacting the cost of life insurance. For example, you’ll pay less each month if you’re a 29-year-old woman, who doesn’t smoke or drink than you would if you were a 65-year-old man who smokes regularly.
When applying for life insurance, you'll be asked some simple lifestyle and medical questions to help your insurer understand your pre-existing health conditions and any other risk factors.
In certain cases, many active insurance companies will ask for a medical exam. This simple screening helps them find the best life insurance product with the most competitive benefits. While a medical exam can save you money on your insurance premiums in the long run, many of our customers don't require a physical exam.
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