Shopping for life insurance means looking for maximum coverage for the lowest price. To get the best value from your coverage, it’s important to recognize the aspects that impact the rates throughout Canada. Things like smoking can impact the rates you might receive. The way a life insurance policy works comes in 2 forms:
Accepted standard pricing.
Accepted with a rating which means the insurance charges more premium based on a certain percentage.
Other factors that impact the cost include medical history, family health history, physical build, current health condition,  and gender.