What Are The Factors That Determine How Much Life Insurance Will Cost? 
Some factors that determine how much life insurance will cost are : 1 -RRB- Age -LRB- generally , the older you are , the higher the premium will be for a policy of the same type as a younger person of similar health -RRB- ; 2 -RRB- gender -LRB- men usually pay more than women -RRB- ; 3 -RRB- health -LRB- both current and past health -RRB- ; 4 -RRB- tobacco use -LRB- users of tobacco usually pay more -RRB- ; and 5 -RRB- type of policy -LRB- the shorter the premium is locked in , the lower the premium usually is -RRB- . There are other factors that can also enter in such as treatment for substance abuse , numerous traffic violations , felony , dangerous hobbies , and being on disability . That is why shopping among multiple companies can help you save money , as some companies rate certain risk factors more favorably than others . 