Individual Life Insurance (individual life insurance) - is a life insurance product that is marketed individually (per person) by the insurance company. Because it is so then the selection process (underwriting) to the prospective insured is also done per person, so it is possible to be more expensive premium rate.
The amount of individual insurance premiums are also very varied, this is due to the difference in conditions and characteristics of each - each individual prospective insured. So although some policies issued to individuals about the same age, Sum Insured (UP) is exactly the same besanya, term insurance is the same, but the magnitude of premiums can vary.
The amount of life insurance premiums each - each individual different possible because of a health condition or a different hobby. For example, for an insured who suffered from a particular disease that affects the life expectancy (life expectancy), it will be charged a higher premium than the premium charged to the insured healthy. Similarly, people who have a hobby of skydiving will be charged a kind of insurance premium rates higher than with someone who enjoys playing music