Factors are of course overlapping, but you could think about what questions a life insurer would ask you, since they have money on the line and probably the bes

Factors are of course overlapping, but you could think about what questions a life insurer would ask you, since they have money on the line and probably the best models. Smoking is a really big one, given that it's estimate that 2/3 of life-long smokers die due to smoking and that continuing to smoke across a lifetime is estimated to reduce your life expectancy by 10 years.