Your life insurance premium is determined by a number of underwriting factors, some
of which are listed in the table at the right.
Age, Sex and Tobacco
These are the three biggest determinants of your life expectancy. Companies have developed
separate rate tables for each.
Within a rate table, your health and family history are the major factors that determine
your underwriting category.
Other factors that influence your underwriting category include your driving record,
history of substance abuse, hazardous occupations or hobbies, citizenship, residency, and