PruMark

1. It's better and cheaper to take out policy when you are younger. It is because you are more likely to be in better shape than you are older.

2. It's a proven statistic that women tend to live longer than men.

3. If you use ci******es / smokeless to***co it migt affect you life insurance premiums.

4. High risk professions will increase your insurance premiums.

5. Over weight people are more prone to diseases like diabetes, heart diseases and cholesterol.

6. If any member of your family has had any severe medical condition, the insurance company will take that into account because there is a chance you might as well suffer from the same health issues.

7. If you already have health condition's like high blood pressure, cholesterol etc, the insurance companies will view you as high risk. It's better to tell them you are managing your conditions well, it might lower your insurance premiums.