Many of the risk factors insurers consider are things you can't control, such as your gender and your age. (compare.com)
One of the biggest risk factors insurers use is past and present tobacco use, and the life insurance application will include questions about smoking and other risky behaviors. (usacoverage.com)
Part of the process of underwriting and setting rates is taking a look at the driver's past to gauge the risk factor the insurer will face in taking them on as a customer. (carinsurancequote.net)