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What factors will affect term or permanent life insurance rates?

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1. Age, health, smoker, dui's, family history, job occupation (maybe), credit-possibly.
2. There are some factors that affect term or permanent life insurance rates. 1) Age 2)Sex 3)Smoker status 4)Medical conditions 4)Dangerous hobbies
3. There are several factors which affect the rates you pay for your life insurance policy, including: 1. Age 2. Gender 3. Amount of Coverage. 4. Type of Life Insurance. 5. Health 6. Family Health History. 7. Occupation. 8. Hobbies. 9. Smoker / Non-Smoker 10. Height-to-Weight Ratio
4. The insured's risk, policy design, administrative costs of the policy, and the company's competitive stance. There are more risk factors than those who have tried to list them and there are other factors besides risk to the price of the policy.
5. your age, your health (including habits like smoking, and weight), your gender in some states, your occupation, your hobbies, the length of the term, etc. There are a LOT.
6. In addition to the other answers, the mortality rate can also affect some term policies which are currently in force. Some have the maximum rate listed in the policy. Future rates for new Whole Life insurance can also be affected by motality rates. Universal Life policies have maximum mortality rates. An insured person cannot be singled out for a rate increase, but if there happened to be a higher mortality risk, caused by a disease outbreak for example, in a particular part of the country, overall rates could be increased in that particular area.