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How your health and lifestyle can affect your life insurance premium

Life insurance is one of the few insurance products that is tailored specifically to you.

The cost of your policy will take into account your current age, height, weight, medical history, occupation, driving record, your family health history and whether you have ever smoked.

The cost also depends on the term and sum assured of the policy.

Be Honest - Make sure you answer all the questions you are asked fully and accurately to the best of your knowledge and belief.

Your job may also affect your premiums

High risk occupations such as being in the armed forces, working in the oil or gas industry, and fishing may incur higher premiums.

...as can some sports...

Keep in mind that sports such as parachuting, mountaineering, aviation and motor sports will affect your policy.

If you undertake these activities on a one off basis then you may want to consider getting extra cover on your travel insurance if appropriate.

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