Any factors related to your longevity may impact your rate for life insurance.
Some of the leading factors affecting life insurance rates include age, gender, health, family health history, occupation, hobbies, driving record, height-to-weight ratio, credit history, lifestyle, whether or not you smoke, etc.
So, if you are young and healthy when you buy your life insurance it will cost you less.
If you are a non-smoker it will cost you less for life insurance.
If you are of average weight and don't drink alcohol it will be less costly than life insurance for an overweight person who drinks regularly.
Here are some tips to help lower your cost of life insurance:
1. Lead a healthy lifestyle.
2. Exercise regularly.
3. Consider term life insurance which costs a lot less than whole life insurance.
4. Quit Smoking if you smoke.
5. Comparison shop for your life insurance policy by comparing life insurance rate quotes among several leading life insurance companies in order to find the most affordable policy.