Ponte Vedra Beach, Florida — Many Florida life insurance companies really look at an applicant’s age upon evaluating an individual’s term life insurance premium.  Checking into the mortality rate of a person is the focus when underwriting a new life insurance policy.  Furthermore, mortality can be affected by many things other than just age.  Math experts called actuaries look at many facets of an individuals health and behavior and apply statistical concepts to attempt to predict the future of an applicants potential.  Aside from age, your individual characteristics will play an important role in the cost of you whole life insurance or term life insurance policy.  Your quote for term life insurance may be higher than for another person of the same age due to the following factors:  Read more today about the following factors that contribute to your life insurance premium rate.