When you apply for life insurance, you’re assessed to see how much of a risk you pose for the insurer. They look at your age, health, family medical history, finances, profession and lifestyle habits. The bottom line is the riskier you are, the higher your insurance premium.
For example, if you’re very unhealthy or regularly engage in extreme sports, your premiums will be higher. The insurer will assess how any activities or lifestyle choices might affect your health – but will also consider any relevant qualification and experience doing the activity.