Which factors can influence life insurance premiums?

Life insurance premiums are determined by various factors that assess the risk associated with insuring an individual. Age plays a significant role because younger individuals typically pose a lower risk of mortality than older individuals, leading to lower premiums. Health status is also critical; individuals with pre-existing medical conditions may face higher premiums due to elevated health risks. Lifestyle choices, such as smoking, alcohol consumption, and engagement in risky activities, directly impact the likelihood of claims, thereby influencing premium rates. Additionally, the type of policy selected can affect the premium, with different policies (like term life or whole life) having distinct pricing structures and risk assessments.

Considering these factors, the first choice encapsulates the most relevant influences on life insurance premiums, making it the correct answer.