Factors such as tobacco use, high cholesterol, risky activities, like adventure sports and some pre-existing conditions are likely to have a negative impact on your life insurance rate. However, if you're in overall excellent health, your life insurance rate should be very affordable.

Pre-existing diseases of certain kinds will also adversely affect your premiums. Common conditions like allergies and asthma (depending on the severity) will usually not play a role in determining your life insurance rate.