Life insurance companies always examine the medical records of prospective clients. As with any insurance policy, the higher the risk, the higher the cost: the more severe the disability, the higher the premiums and fewer options. However, some disabilities, such as blindness or deafness, have little effect on life expectancy.
Having a job usually counts in favor of the applicant. LICs consider stable employment as a general indicator of health. Permanent employment also means regular income, which guarantees regular payments.
Smoking, drinking alcohol and drug use (including marijuana) increase the insurance policy cost.
Source: https://www.investopedia.com/life-insurance-disabled-people-5220199
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