• Health, Before & Now: The health factor comes spontaneously as the agency is giving cover for the same. Did you went through a major accident? Did you met with a severe attack? Are you a patient of any cardio or liver disease? Based on so many questions like these, your timely premiums are decided.

• Where you work: If you work for a company that has taken the project of cleaning the twin towers, the agency is never going to take risk of giving the coverage. Even if you are driver or Racer, You will have to make heavy pocket cuts to pay your premium.
   
• Do you smoke? Tobacco has many disregards, not only to your health but towards your insurance premiums too. A company may reject any type of claim which is directly or indirectly affected due to smoking. The premiums can weigh more, if you are alcoholic also.
   
• Age and the policy duration: Suppose you are 60 now and the company is giving you policy with a maturity time of 20 years. More than 50% are the chances that you may no longer be available after 20 years (Practically speaking) for getting benefits. So company will put more weight on your premiums and compensating the claim, your family or nominee will file afterwards.
   

Beware, Fake agents can also charge you by explaining factors, which actually doesn’t affect your premium like Gender, Religion etc. There are times when you get under the lights of any of these factors. In that case, you have to start investing in policies early in your age. The rate rules and stats of that individual decides the premium you will have to pay. Pros like Daniel Gootner urges their customers to buy policies after a good homework, by taking care of the above written factors before making a policy purchase.