how does life expectancy affect premiums 
your age is the primary factor companies consider when deciding how much to charge for life insurance followed by your health condition life expectancy is greater at younger ages so the younger you are when you apply for coverage the lower your rates 9the bottom linelife expectancy indicates how much longer the average person of your age will live your estimated life expectancy plays an important role in a number of financial decisions from how much money you should save for retirement to when you should buy insurance and how much you will pay for your coverage keep life expectancy in mind as you make these major financial decisions 