There are numerous companies that provide life insurance policies; make sure that you do not simply chose the first company you find, but rather take the time necessary to fully research each company. Is this company reliable financially? Where do they stand with respect to credit ratings? No matter how great a policy is, an unstable company won’t pay on it if you file a claim! Your life insurance premiums could substantially increase if you happen to work in a hazardous environment or partake in high-risk extracurricular activities. If you do anything that puts you at risk like scuba diving, bungee jumping, and skydiving, then you might want to put those behind you. Travel to regions considered dangerous is another factor that can mean high rates.
Be sure to disclose any hobby or job that may be considered high risk. It’ll cost you more, but it can prevent ineligibility if your insurance company found out themselves. There are also big penalties for withholding information as it is considered fraud.