Your rate is based on several factors that may impact your longevity - how long you are expected to live.
Some of the most common rate factors for life insurance include your age, gender, lifestyle, tobacco use, driving record, occupation, hobbies, health, family health history, etc.
The longer your life expectancy, the lower your "Rate" for life insurance.
If you are healthier than the average person your age, you may qualify for a preferred rate, while a standard rate is applied to someone of average health.
You can improve your rate by getting healthy, losing weight, exercising, and quit smoking if you smoke.
Learn more about shopping for affordable life insurance rates.