Is It Safe To Buy A Complete Life Insurance In 2025? That is a very tricky but vital question. Insurance companies calculate life insurance premiums based on several personal factors, including age, gender, personal and family health history, lifestyle, driving record, and credit score. Key factors affecting life insurance rates include: Age Age is one of the primary factors in determining life insurance rates. Unlike car insurance, life insurance is generally cheaper for younger applicants because they are statistically healthier and less likely to pass away soon. Gender Since women, on average, have longer life expectancies than men, insurers factor…
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