You compared Apple with Orange.

Group Life insurance used "Experience Rating" method. Your company's
claim history, the age of emploees etc will be used for the underwrinting and
rates.

For term life, it's based on "you", your age, sex, health info will determine
your rates. And different insurance company has different "rates" as well.
 

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• Thanks for the quick tutorial, -tidytiger- ♀ (230 bytes) () 07/22/2013 postreply 06:34:21