Life Insurance premium?

Life insurance premiums depend on the underwriting process. Different companies underwrite differently and that is why the same person may get different quotes from different companies. The underwriting process helps companies to decide your mortality, based on which premiums are decided. To work out your mortality companies may look at your age, current health status, medical history, family history of illnesses, your criminal and driving records, etc. They also take the cost of insuring you into consideration. This is how your premium is worked out.

Denise at AccuQuote
Disclaimer: I work for AccuQuote and this is my personal opinion.