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1. Age-Younger policyholders pay lower premiums. As you age, the likelihood an insurer will have to pay out on your policy increases, therefore the premiums increase.

2. Gender-Women tend to live longer than men which means women generally pay less for life insurance than men do.

3. Health History-Insurers may require a medical exam and access to your health records before issuing a policy.

4. Family Health History-Even if you have no current health issues, a family history of illness, especially hereditary diseases, could increase the cost of your coverage.

5. Smoking-The health risks associated with smoking, including potentially fatal diseases like cancer, will increase the cost of life insurance premiums.

6. Hobbies-High-risk activities could lead to higher premiums.

7. Occupation- Insurers will ask about your line of work as part of the application process, and your premiums could be higher if you have an occupation that exposes you to toxic chemicals or requires you to perform dangerous duties.

8. The Policy-The specifics of the life insurance policy you choose will also play a role in determining your premium.

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Term life-Term life provides pure death benefit protection for a specific period of time typically 10, 15, 20, or 30 years.

Whole life- It’s a permanent life insurance policy that provides death benefit protection for your entire life.

Universal-Is a low priced permanent policy, with a flexible death benefit period that can be tailored to last until age 90, 95, 100, 110 and 121. It is best described as a term/whole life hybrid.

Variable-Is a life insurance policy type in which the face value fluctuates depending upon the value of the dollar, securities, or other equity products supporting the policy at the time payment is due.

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The beneficiaries and how they receive payment

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The beneficiaries and how they receive payment

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The primary beneficiary is the person (or persons) who will receive the proceeds of the life insurance policy when the insured person dies. However, the primary beneficiary will not receive any proceeds if he or she dies before the death of the named insured.

Typically life insurance benefits are paid when the insured has died, and the beneficiaries file a death claim with the insurance company, submitting a certified copy of the death certificate then they can pay it, deny it or ask for additional information.

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Insurance that pays out a sum of money either on the death of the insured person or after a set period

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https://termlife2go.com/types-of-life-insurance-policies/
Life Insurance Beneficiaries Get the Facts | Trusted Choice
Life Insurance Policies: How Payouts Work | Investopedia
8 Factors That Can Affect Life Insurance Premiums | Farm Bureau ...