Why Is My Life Insurance Premium So High? 
There are two basic issues at play . The anticipated life expectancy and how long the coverage is going to last . The premium is the result of statistics compiled over millions of lives and represents the risk to the insurer of providing coverage to a `` standard '' person . If you are not `` standard '' the underwriter may adjust the premium , again , to take into consideration the affects of your health or occupation . They look for anythingthat can change the risk from being `` standard . '' The length of time that the insurer provides the death benefit also affects the premium . 