• About
    Us
    • Our Insurance Carriers
    • Customer Reviews
    • – About Patron Insurance
  • Auto, Home &
    Personal Insurance
    • Auto Insurance
    • Condominium Insurance
    • Flood Insurance
    • Homeowners Insurance
    • Motorcycle Insurance
    • Renters Insurance
    • – View All Personal
  • Business
    Insurance
    • Business Interruption Insurance
    • Business Owners Package Insurance
    • Commercial Auto Insurance
    • Commercial Property Insurance
    • Commercial Umbrella Insurance
    • General Liability Insurance
    • Professional Liability (E&O) Insurance
    • Surety Bonds
    • Workers’ Compensation Insurance
    • – View All Business
  • Life
    Insurance
    • Individual Life Insurance
    • Final Expense Insurance
    • – View All Life
  • Policy
    Service Center
    • Online Billing & Payments
    • File A Claim
    • Certificate of Insurance Request
    • Policy Change Request Form
    • Auto ID Card Request Form
    • Insurance Resources
    • – View All Policy Service Center
  • Contact
    Us
    • Vienna Office
    • Secure Contact Form
  • Insurance
    Blog

Insuring Vienna And
All of Virginia
Call (703) 281-0600

Home > Insurance Blog > 5 Behaviors That Can Raise Your Life Insurance Premiums

5 Behaviors That Can Raise Your Life Insurance Premiums

Posted by Patron Insurance Services on July 3, 2017

Life Insurance

Your hobbies, lifestyle, and overall health impact how much you pay for life insurance. For example, if you have decided to take up scuba diving, mountain climbing, rock climbing, BASE jumping or decide that you want to get involved in skydiving, these activities will affect the cost of your policy.

Essentially, your life insurance policy is a legal contract between you and the company that issues it. These companies evaluate all risks associated with covering you against death or incapacitation. Certain behaviors and conditions will increase the cost of your policy and the premiums you will pay. Every policy should be customized to match the individual. The types of behaviors that life insurance companies often consider risky include:

  • Smoking. Insurance companies will cover smokers, but at a higher rate.
  • Body weight. The life insurance company underwriters will evaluate your height and weight for known associated health risk factors.
  • Driving record. If you have a history of traffic violations – particularly moving violations or driving under the influence – your rates may be higher.
  • Risky activities. If you engage in certain high risk activities, such as scuba diving, motorcycle riding, flying a plane or similar pursuits, your rates will be higher.
  • Alcohol consumption. Your alcohol consumption will be evaluated as a risk factor in issuing a policy. 

Getting Approved for Life Insurance

There are several criteria that underwriters employ to evaluate a potential policyholder. If you are considering purchasing a life insurance policy, get help from an agent as they’ll manage the process for you. There are many types of life insurance policies on the market, and an agent will help you find the company that is right for you and your lifestyle.

At , a local agency, we are happy to explain everything simply and clearly, so you can make an educated decision about what will work best for you – and your budget. New life insurance programs come on the market, and if you already have a term life insurance policy, it is worth having it reviewed – there may be a better option for you now. We are happy to help.

Our local agents at Patron Insurance Services in Vienna, Virginia make themselves available after work and on weekends so you can have an appointment at a convenient time. Having a life insurance policy in place is one of the most effective ways to protect your family, and getting your policy issued is important. We know the system and how to work to get you the coverage you need, and at a rate you can afford. Talk to us – we are here to help.

Filed Under: Insurance Agent Tagged With: Insurance Agent, Vienna, Virginia

Get A Quote

  • This field is for validation purposes and should be left unchanged.
  • Jennifer C.
    He's responsive and straightforward and I appreciate it.Jennifer C., Alexandria, VA
  • Flora Michelini
    I could not recommend Patron more.Flora M., Virginia
  • Andrea O.
    Diane was extremely helpful in reviewing my current business policy...Andrea O., Fairfax, VA
 See All Reviews

About Us

  • About Us
  • Our Insurance Carriers
  • Customer Reviews

INSURANCE

  • Auto, Home, & Personal Insurance
  • Business Insurance
  • Life Insurance

POLICY SERVICE

  • Policy Service Center
  • File A Claim
  • Online Billing & Payments
  • Policy Change Request

CONTACT US

  • Patron Insurance Services
    • 301 Maple Avenue West
      Suite 310
    • Vienna, Virginia 22180
  • Phone: (703) 281-0600
301 Maple Avenue West, Suite 310, Vienna, Virginia 22180
Patron Insurance Services Provides Auto/Car Insurance, Homeowners Insurance, Business/Commercial Insurance to All of Virginia, Including Vienna, Tysons, McLean, Great Falls, Falls Church, Fairfax, Arlington, Alexandria, Reston, and Herndon.
© Copyright 2018, Patron Insurance Services | Privacy Statement | Login
BrightFireWebsites for Insurance