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Often used to make the age at issue lower than it actually was in order to get a lower premium.

To go your local insurance dealer and ask if they offer Bond Insurance.

If they offer Bond insurance, ask them if they'll backdate it for you.

This means that they'll give you a card saying that you had insurance for previous months, when you really didn't.

Much of the regulation of life insurance carriers happens on the federal level, however most states also have regulations that affect policyholders.

This guide: Lists the major laws governing life insurance in every state Explains how these regulations affect you, the policyholder Points you to the appropriate regulatory agency if you need more help Premiums can vary by as much as 50% for the same coverage and options, so it pays to get quotes from as many reputable insurers as possible.

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