When you apply for life insurance you answer some questions about your health and personal risk factor, such as, if you smoke, your height to weight ratio, and your driving record, among other things.

These risk factors impact your acceptance and rate for life insurance.

The insurance company wants to determine what kind of risk you present for life insurance - they do this by reviewing your risk factors and how these will impact your longevity - how long you are expected to live.

If you have a ...
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