What Factors Affect a Life Insurance Quote?

Life Insurance is an incredibly personal product and is specifically tailored to each individual customer. Because of this, price can vary greatly between customers so it’s important to know what factors affect a life insurance quote, and if there is anything you could be doing to get a better deal.

Medical History

Medical history is one of the biggest factors that affects the cost of life insurance. It’s always best to lock in cover while your health is good. If you put off getting or updating your cover and you’re taken ill, your cover may become more expensive, or you may be denied a policy altogether.

Smoker Status

Life insurance is significantly more costly for smokers, so quitting is likely to save you money. You will be classed as a smoker if you have had a cigarette or nicotine replacement at any point in the last 12 months. If you think it’s time for you to quit, have a look at our top tips to help you out, here.


Cover usually gets more expensive as you get older as you pose a greater risk to the insurer. This means that it is often possible to get better value by locking in the price of your insurance at an early age.


Some dangerous jobs and hobbies result in a higher premium. Whilst this shouldn’t affect most applicants, it may be worthwhile to be aware of any changes in underwriting in relation to occupation which could affect you.


Your height and weight (which are used to work out your BMI) can make a difference to how much you pay. It is important that you are as honest and accurate as possible with this at the time of your application to ensure your policy pays out.

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