Go to www .insurance .com or another Internet site that allows you to generate price quotes online.

(A Google search in September 2008 generated 13.1 million hits on “term insurance.”) What would it cost you to purchase $100,000 of term life insurance at a fi xed rate over 10 years? Go back and do the pro cess again. However, this time apply as a male born January 1, 1950, who smokes, has high blood pressure, and is overweight.

What would it cost this fi ctional person?

Drawing on the material in the chapter, explain why this second person would likely pay more. If your quote was more expensive than this person’s, explain why.          Appendix