Age

The older you are, the more you'll likely pay for life insurance due to increased risk of mortality

Gender

Women generally pay less for life insurance than men because of their longer average life expectancy

Health History

A history of medical conditions like heart disease or cancer can increase your premiums, as insurers assess your health risk​

Family Health History

A history of medical conditions like heart disease or cancer can increase your premiums, as insurers assess your health risk​

Smoking and Tobacco Use

 Smokers or regular tobacco users face significantly higher premiums due to associated health risks

Occupation

Riskier occupations, like logging or roofing, can lead to higher premiums due to increased risk of harm or death at work

Hobbies

Engaging in high-risk hobbies like skydiving or racing can increase your life insurance premiums​

Lifestyle and Behavior

Factors like frequent travel to risky areas, driving history, and financial history can affect rates

Policy Details

The coverage amount, term length, and type of policy (term vs. whole life) play a role in determining premiums

Personal Fitness and BMI

 Your body mass index (BMI) and overall fitness can influence premiums, as they are indicators of your general health