What Factors Affect Life Insurance Premiums? 
Life insurance premiums are affected by : age , gender , health class , amount of insurance , length of coverage , and riders . Health class is usually subdivided into smoker or nonsmoker and rating such as preferred plus , preferred , standard plus , and standard . Substandard is table 1 - 10 with 10 being the worse . The rating/health class is determined by build , family history and motor vehicle report . It is important to review your situation with a knowledgeable agent to make sure you apply with the best company for your unique circumstances . 