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6 Factors Affecting Life Insurance Policy Premiums in India
A family history of serious illnesses like heart disease or cancer can affect premiums, as it suggests a higher likelihood of similar health issues in the policyholder
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Additional Factors that Affect Life Insurance Premium
Health and Medical History: Insurers deeply evaluate health conditions through medical tests and family medical history. Pre-existing illnesses, chronic diseases, or a family history of serious conditions like cancer or heart disease can increase premiums. Better health generally leads to lower premium costs, whereas poor health or risky medical profiles can result in higher premiums.