Term insurance rates are basically categorized into two areas based on Regular and Preferred Underwriting. Regular Underwriting considers the traditional factors of Age, Gender and Smoking status. However, Preferred Underwriting allows lower rates to healthier clients and considers additional factors that influence a person's health such as:

1. Tobacco use
2. Build
3. Blood Pressure
4. Cholesterol Level
5. Medical/Family History
6. Alcohol/Drug Use
7. Driving Habits
8. Criminal Record
9. Low Risk Lifestyle