Getting the right life insurance for you that suits all your needs whether you're single or married can be quite tedious and intimidating. Especially when you've got insurance agents coming at you left and right trying to get you to buy their policy.

The rates you pay for insurance policies differ from your risk factor, which is why here are some good tips to know when getting life insurance.

Your health. Most life insurance policies require that you undergo medical check ups to ascertain your medical condition. The bigger the risk you are, say, if you have hypertension/diabetes, the higher the rate you have to pay.

Your age and gender. Normally, the younger you are, the cheaper the rate due to the long-term rate. I hear women also have a lower rate due to the fact that their life expectancy is longer than that of men. So if you're still young and bushy tailed, so to speak, this is your time to insure your life with a lower rate. However, if you don't have any dependents (a spouse or children), there's not really a reason to rush into it.

Smoking. Smokers tend to pay triple the rate compared to a non-smoker. Unless you don't own up to the fact that you smoke, which is not advisable really. Insurance companies will smoke you out if they find out.

Driving Record. Your driving record says a lot about you and the risk factor you're in. A lot of traffic violations or summonses or a DUI or two is enough to tell insurance companies about yourself.

Your Hobbies. Nothing screams HIGH RISK like a person who's into Xtreme sports like skydiving, bungee jumping, race cars, dirt bike racing and the like.

Basically, insurance companies try to insure people who are least likely to be "pushing daisies". But we all know that it doesn't matter how old you are, or how low your risk factor is, when The Reaper comes a'calling, there's no stopping it.

Click here to know MORE on getting the best rate on life insurance.