What Factors Determine Life Insurance Rates? 
There is a lot of factories that impact the rate on a life insurance policy , for example hobbies , heath history , gender , height , weight , smoker , and the list goes on and on but do n't get discourage on this factors life insurance is a great tool to have in your financial planning . It is tax defer , plues if you have a life insurance policy with cash accumulation , You can use that cash to pay for anything that you would like , -LRB- when there is cash in the policy though -RRB- . 