In addition, your own personal risk factors affect your premium.
Personal risk factors may include your age, gender, family health history, your health, occupation, hobbies, driving record, credit history, if you smoke or not, your lifestyle, your height-to-weight ratio, etc.
Your personal risk factors are reviewed to determine your longevity - how long you are expected to live. The longer your life expectancy, the lower your rate for life insurance.
In addition, you may be required to take a medical exam when you apply for life insurance, the medical exam may test your blood and urine for health issues, such as, high protein levels, high cholesterol, illegal drugs, nicotine, STD's, AIDS/HIV, etc.
If you lie on the application and the results of your exam show that you have health issues you didn't reveal on the application, you may be denied life insurance, or they may charge you a higher rate for your coverage.
Here's how you can instantly compare life insurance premiums from several leading life insurance carriers.