first‑time buyer premium rates
First‑Time Buyers Life Insurance Term Life vs Rate Hikes?
Term life insurance premiums for first-time buyers fell about 9% in Q2 2026. The dip came as a surge in individual policies forced carriers to redesign underwriting algorithms, letting newcomers lock in cheaper rates without sacrificing actuarial soundness. In Q2 2026, individual life insurance sales rose 12%, prompting insurers to