If you’ve been looking for life insurance, that’s smart. Many people risk not having life insuraince which can be a burden to their family if something were to happen to them. Here are things that can affect the amount you pay in premiums:

• Tobacco use – If you use tobacco, it can more than triple the normal premiums you’d pay.
• Your weight – Being overweight also increases your premium.
• Reckless driving – Those speeding tickets can come back to haunt you when you try to get life insurance. One or two tickets may not affect you, but if you’ve got a long history of tickets and traffic violations, companies may deem you a high risk.