A few different factors can affect a life insurance quote, explains AIG Direct. Common factors that affect an insurance quote include high blood pressure, cholesterol level and ratio, family medical history and participation in hazardous activities, states AIG Direct.
Factors such as mental health or a history of depression, driving record, travel history and even credit history can affect an insurance quote, notes AIG Direct. The company also states that the age of the applicant and any medical conditions affect the quote from AIG Direct. The insurance company looks at the level of risk an applicant represents when providing life insurance quotes, explains AIG Direct.