Age : the younger you are, the cheaper the premium.

Smoking : Pay higher premium if you are smoker.

Health history : The healthier you are, the cheaper the premium

Family Health history. : It does affect your premium in certain scenario

Job : If you have a higher risk job, such as truck driver, be prepared to pay more premium than those working as accountant who stay in the office most of the time.

* Make sure you provide accurate information before submitting your application, failing to do so, it may affect your claim in the future.