Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 15, 2020

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Increasing age increases the cost of life insurance, because the older you get, the greater your chances of dying.

Being male costs more, because females live longer on average.

Poor health raises the rates for life because it decreases the number of years you are likely to pay premiums and reduces the time before the company may have to pay a claim.

Health is often the most important factor, followed by age and sex. Someone in poor health will have to pay a very high premium, or even be uninsurable.