How are premiums calculated?

Calculating life assurance premiums is all about risk. If you are deemed to be a high risk candidate your premiums will be higher or you may even be denied a policy. High risk candidates include:

  • People with high risk jobs such as those in the Armed forces and those who work at great heights
  • Those with dangerous hobbies such as rock climbing or base-jumping
  • People with poor medical history
  • Smokers
  • The over 60s

Click here to get your life insurance quote.
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