comprehensive cover. This will be beneficial for you and your family in the future if any unexpected events happen. Unhealthy Lifestyle - An unhealthy lifestyle includes you as someone who is overweight or someone who is a smoker. Studies have shown that obesity is linked to heart problems; while smoking produces a lot of medical woes in the future. When you are either of the two, you might find yourself with a much higher premium than those who are considered having a healthy lifestyle - i.e. fit and a non-smoker. The best way to improve your life insurance rating and decrease your life insurance premiums is to lose weight and to adhere to a healthy diet. For smokers , it's just about quitting. If you have been smoking, insurance providers will consider you already a non-smoker if you haven't smoked for or more than 12 months. Age - Age is also considered as one of the high risk factors in life insurance; thus the older you grow, the higher your premium. It is considered high risk by most insurance companies because of the fact that the older a person gets the more prone they are to illnesses associated with old age. It is, of course, impossible to change your age as old of us get old. However, you can score big and get a lower premium if they see that you have a healthy lifestyle. High risk factors in life insurance can be either avoided or not by making some