In addition, your risk factors will impact your rate for coverage.
Your own personal risk factors for life insurance may include your age, health, hobbies, occupation, if you smoke, your height-to-weight ratio, family health history, driving record, etc.
Your risk factors will help the insurer determine your longevity - how long you are expected to live. The longer your life expectancy, your lower your rate for life insurance.
You can compare instant life insurance quotes online from multiple life insurance carriers to quickly find out how much your life insurance may cost, and which insurer's offer the most affordable plans.