What Is The Importance Of Age/Sex/Health?
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UPDATED: Jul 15, 2021
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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.