This could be high risk professional sports, underground mining, high-rise construction work or explosive handling. If your job places you into dangerous situations the will consider you a higher risk with your life expectancy lower.

– mountain climbing, sky diving, racing, para-sailing, ultra light flying, scuba diving. Racing is auto, motorcycle or boats. These high risk recreational activities increase the risk of accidental death, with the premiums higher.

Are you an active member of the military or military reserve? Is it as a commissioned officer or non-commissioned officer. If you are in the military you may get your insurance premiums deducted from your paycheck and qualify for a discount. If you are a test pilot your insurance premiums could be higher due to the risk of the job.

– if you have had three or more and convicted of Driving under the influence or had your license suspended for other reasons – chances are your premiums will be higher.

If you have been convicted of Driving under the influence or driving while intoxicated in the last ten years – here you have the option of yes within the last 5 years and yes in the last 6-10 years.

Have you lived outside of North America in the last three years? Medical records and underwriting information is easier to Obtain for those living in North America where the Insurance Companies are also located.

Yes or no on planning to travel extensively to developing countries or areas of political instability? Crime and disease are within developing countries and life threatening situations can arise in areas of political instability This will raise your insurance premiums.

When checked that I have sought treatment for either mental illness or depression the next screen asked if it had done so in the last two years.

The rate given for the quote when answering yes to a few questions turned out to be $489 per year with rate class of SNT. I also lowered my height and added 20 pounds and said that someone had died before 60.

When doing my regular data with asthma as the only yes for the same amount of 100,000 for 30 year term life the rate was $338 with the rate class P. When just stating that I had mental illness or depression the quote was still at $489.

When I checked that I had ulcers and alcohol use I was directed to . With just ulcers the rate class was at PE and the quote was at $308. I even checked off that I had two moving violations on these quotes.

So it looks like asthma and hypertension get treated the same with the quote amount, while ulcers will have a lower monthly premium. It turned out that if I had not checked off that I have asthma, my actual quote would be $308.

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