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In order to attempt to guarantee that they are profitable they will assess your risk factors. The more risk factors that you have that indicate that you will die prematurely, the more they will charge you for your premiums.
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In order to make these assessments the life insurance companies hire teams of actuaries. Actuaries are skilled mathematicians who are strategic thinkers. They are often economists and statisticians who are extremely knowledgeable in both the theory as well as the application of probability and finances.
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Some of the more day-to-day risks that actuaries assess are related to the amount of alcohol that you consume, whether or not you are overweight, and if you have diabetes.
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