Senior Couple Talking With A ConsultantWhen you’re looking for life insurance coverage, you want to find the best deal possible.  There are many factors that come into play when a carrier is determining your life insurance rate.  While some factors may be completely out of your control, others involve your lifestyle choices.

  • High Risk Hobbies

High risk hobbies can include: skydiving, rock climbing, scuba diving, hang gliding and motorized racing.  Participating in these high risk activities gives you a greater risk of injuring yourself or dying, which is why a higher life insurance rate is applied.

  • Build

People who are overweight or have diabetes are at a greater risk of developing health problems.

  • Health History

If your health history includes asthma, cancer, diabetes or high cholesterol, you are considered high risk and will receive a higher life insurance rate.  Making healthier choices and reducing your risk can improve your rate some.

  • Family History

Carriers of life insurance look not only at your own medical history; they also look at your immediate family’s medical history.  If your family suffers from any hereditary conditions, you will likely face higher life insurance rates.

  • Driving Record

Most carriers will take your driving record into account when accessing your life insurance rate.  Minor infractions will not have a negative impact on your life insurance rates but a DUI, reckless driving or more than two moving violations in the last three years will like make your rates go up.