All life insurance companies use one of two methods for calculating an individual's age for insurance purposes. The "Actual Age" method uses an individual's current age. The "Nearest Age" method uses the insured's age nearest his or her next birthday. For example, the "Nearest Age" method will consider a 45 year old person 46 if their upcoming birthday falls within the next 6 months. The insurance quote comparisons on our website include both methods and are automatically factored in on each individual quotation.

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