The amount you pay for your term life insurance policy will depend on the insurance carrier, and your own personal risk factors.

Each life insurance company has their own set of pricing guidelines and approach to underwriting risks for life insurance.

In addition, your personal risk factors affect the rate you pay for life insurance.

Risk factors may include your age and health, family health history, your occupation and hobbies, lifestyle, if you smoke or not, your height-to-weight ratio, drivi...
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