Why you buy whole life insurance? You may buy whole life insurance to provide your children with strong financial backbone after your demise. Thus, for each insurance policy, you must pay premiums. The amount of premiums is greatly determined by your health.

When you buy an insurance policy, you will be examined by a doctor that if you have any critical diseases or any risk in near future. In this regard, you family history is also more important.

If you are proved to have risk of developing any critical disease, the insurance company either will deny to enroll you or if the company will enroll you, it will adjust higher premiums with a view that if you develop any fatal diseases, so company bear as low loss as it can.

In case you proved to be healthy and to have no possible risk of developing any fatal disease, your insurance premiums will be lower than one who has risk of fatal diseases.

Thus, the amount of each premium is directly proportional to your health, the healthier you are, the lowest will be the premiums.

Conclusion:
Health is an important factor in determining the premiums. The healthier you are, the lower will be your premiums