You have insurance, if being taken than ever before to know that insurance is different for each person. Premium is the amount paid to the league to keep the insured policy. For any type of life insurance as insurance companies, to determine individual risk, it is willing to consider several factors. The "life" is the most important issues to consider when setting up an insurance company premiums for insurance policies.
1. Age
Health and Social Welfare, and 79-year-old man, according to Australia and Australian Institute (ranked fourth in the world), and 84 for women (third highest in the world), and men with an average maximum for women in the world I have some life. Age is one of the most important factors in determining insurance premiums. Advanced elderly, higher insurance premiums, rather than politics sooner or later, it may be that many older people difficult.
2. Sex
Women tend to outlive men, it is true in most countries. Women for a better price, and prejudice against all other things being equal and the "life" tend to be the gender of the candidates in order to affect the premium. Interestingly, as opposed to insurance premiums for income protection and trauma, it tends to be higher for women, statistically, more men can be charged for these types of policies for women may be.
3. Lifestyle
Insurance companies can affect their health, look at your lifestyle factors such as smoking and drinking high-risk and therefore attract higher premiums. Do not have a hobby something you can not have been exposed to dangerous health risks or damage at your place of work or factors that affect the premium you again. You are in construction, such hazards and deep-sea fishing or in the fire, if you are working in special occupations such as its location, the normal operation will likely argue that the policy of your office is likely to attract higher premiums from one person.
4. Medical and public health issues
Insurance company when you apply will be required to undergo testing for health insurance, "life." In addition, verify the problem on the public health by taking a sample of high blood pressure and weight of the urine and blood for, please check your doctor to ask about X-rays and ultrasound for comprehensive medical report. We are serious diseases such as HIV, high cholesterol, diabetes, and nicotine in the blood, these studies consider the dependence on drugs or evidence.
You have diabetes, diabetes, if you have a family history of heart disease and other conditions, it can be for a believer to be considered. Factors on the health insurance company, they will consider the risks and the general state of assessment of premium based on the possibility of making a claim.
5. Increase the size of the cover
That's how much insurance you're looking to your account, it takes insurance companies. The height of cover, premiums tend to be high, you are asked.
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