What Factors Determine Life Insurance Rates? 
That is a great question ! There are many things that have a part in determining the rate you will be charged for your life insurance . The main ones are your age and gender ; Your smoking preference ; your current and past health status ; the medications that you are taking ; the type of life insurance that you 'd like , and the amount of coverage . It is always in your best interests to have an experienced agent help you find the right policy for you . Thank you for asking ! 