Health and Safety Factors
Tobacco usage is the single biggest factor, often resulting in a premium three to five times that of a non-smoker. Beyond this obvious factor, we looked at the next most important factors: cholesterol, blood pressure, height, weight, family health history, and driving record.

We did not consider such other factors as hazardous occupations and hobbies, citizenship, and international travel, although these will be considered in determining your rate.

How We Evaluated
We used the companies and underwriting factors from this study of life insurance quote sites. Field underwriting guides from the term life insurance companies gave us the premium classification for each underwriting factor.