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6. Lifestyle Choices & Habits
Lifestyle choices like cigarette smoking or alcohol usage also affect your risk of life and thus the life insurance premium.
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Factors Affecting Life Insurance Premium Calculation
Lifestyle Habits: Lifestyle habits like smoking and drinking are linked to a higher risk of diseases, which might require you to pay higher life insurance premiums. So, adapting to a healthier lifestyle may not only keep you safe in the long run but also get you better rates with life insurance companies.