Insurance Policy Cost Factors

Premium Costs on all Insurance Policies

Listed below are various issues that will determine the premium cost of all Personal Risk Insurance Policies including

  • Life Insurance
  • Income Protection Insurance
  • Trauma / Diagnosis Insurance
  • Total and Permanent Disability Insurance (TPD)


Factors Effecting Premium Costs

  • Date of Birth
  • Male or Female
  • Smoker or Non Smoker
  • Occupation
  • Annual Income ( usually related to Income Protection Insurance )
  • Pre-existing Medical conditions
  • High blood pressure
  • High cholesterol
  • Diabetes

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