When you buy a life insurance policy the insurance company bases your cost of coverage per $1,000 of life insurance on a rate they determine based on your age, health, type and amount of life insurance; as well as, other risk factors.

Your personal risk factors that affect your rate for life insurance may include your lifestyle, tobacco use, occupation, hobbies, driving record, height-to-weight ratio, and family health history, among other things.

These risk factors are considered by the insure...
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