The older you are, the more you'll likely pay for life insurance due to increased risk of mortality
Women generally pay less for life insurance than men because of their longer average life expectancy
A history of medical conditions like heart disease or cancer can increase your premiums, as insurers assess your health risk
A history of medical conditions like heart disease or cancer can increase your premiums, as insurers assess your health risk
Smokers or regular tobacco users face significantly higher premiums due to associated health risks
Riskier occupations, like logging or roofing, can lead to higher premiums due to increased risk of harm or death at work
Engaging in high-risk hobbies like skydiving or racing can increase your life insurance premiums
Factors like frequent travel to risky areas, driving history, and financial history can affect rates
The coverage amount, term length, and type of policy (term vs. whole life) play a role in determining premiums
Your body mass index (BMI) and overall fitness can influence premiums, as they are indicators of your general health