Many circumstances will determine your life insurance rate class. However, some are outside your control — for example, personal and family medical history. In contrast, you can influence your lifestyle choices to lower your premiums. For example, a healthier lifestyle significantly impacts the premium amount you pay.

Here are some considerations used to determine your rate:

• Smoking: Smoking will significantly impact your rate, generally doubles it, including marijuana, hookah, or even cigars.
• Weight: This includes your body mass index, known as your (BMI). It must be within the recommended range. Therefore, your weight should be considered healthy for your age and height.
• Cholesterol: Healthy cholesterol levels can help keep your rate low.
• Blood pressure should be in a healthy range to keep your premiums low. Must be more than 90 over 60 (90/60) but less than 120 over 80 (120/80): It’s the ideal blood pressure reading.
• Driving history: Companies check your driving record. Good drivers are considered low-risk. That’s true for auto as well as for life insurance.
• Recreational activities: People participating in high-risk activities such as skydiving will likely pay a higher risk premium.

Each insurance carrier will approve you differently, more favorable for particular pre-existing medical conditions and chronic illnesses than others. For people with certain chronic diseases such as; Diabetes, high cholesterol, sleep apnea, depression, and recovering alcoholics, each company can rate you differently.

While one company has better rates for people with a family history of high blood pressure, another company can rate that same person with the same health issue more severely.