 TITLE: Does Life Insurance Require a Credit Check? CONTENT: Difference Between Credit-Based Insurance Scores and Credit Scores Used by Lenders\n----------------------------------------------------------------------------------\nWhen you apply for a new loan or credit card, a creditor may pull your credit and review a credit score based on your credit report. The scores that FICO® and VantageScore® develop generally range from 300 to 850 and are intended to predict the likelihood that someone will fall 90 days past due on a bill within the next 24 months.\nInsurance companies—including life, home and auto insurers—may also pull your credit and get a credit score when you apply for insurance. However, these credit-based insurance scores have a different purpose and score range than other types of credit scores. They also consider the information from your credit report differently, and some are even based on a mix of information from a credit report and other data sources.\nAdditionally, some states restrict or limit how insurance companies can use consumers' credit information. However, these restrictions generally only apply to home and auto insurance. END