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What determines my rate?

The type of insurance you choose (term, final expense, or permanent) and the coverage amount you need factor into your rate. Your age and gender can also impact rates. Younger people and women tend to get lower rates, since they have higher life expectancy. Your personal and family health histories factor in, too. Serious illnesses like heart disease or cancer can affect not just the price you pay but your eligibility. Personal choices, like using alcohol, tobacco, or drugs or having dangerous hobbies like participating in extreme sports, can also impact coverage options and rates.

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