Factors that Affect the Cost of Life Insurance

Some of the factors that make life insurance more expensive are common sense.  Things like tobacco use, heart disease, cancer, and diabetes make insuring a particular individual’s life riskier—and more risk, means a higher premium.  However, there are some things that may not be so obvious.  Here are some of the lesser known reasons life insurance can be more expensive:

  • Being overweight.Life insurance in the colony
  • Having a bad driving record.
  • Having a bad family health history.
  • Being employed in a dangerous job.
  • Participating in dangerous hobbies.
  • Having asthma.
  • Having high cholesterol or high blood pressure.
  • Substance abuse.

The good news is you can control most of these, lessening your premium AND prolonging your life span.

Of course, there is one factor that will affect your life insurance rate that is completely out of your control: your age.  The younger you are, the more affordable life insurance is.  Therefore, the best time to purchase life insurance is when you are young and in relatively good health.

If you would like to get the most value for your insurance dollar, contact us at Legacy Insurance Partners.  We will be happy to provide a free, no obligation life insurance quote.


Legacy Insurance Partners, 1205 W. Trinity Mills Rd #210, Carrollton, TX 75006

Legacy Insurance Partners

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