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Assuming that you are speaking of life insurance, there are various factors. Some include:

1. The identity of the insurer;

2. The health condition(s) of the proposed insureds. These include, but are not limited to, height, weight, prior health conditions and surgeries, whether or not the proposed insured smokes;

3. Whether or not the proposed insured uses alcohol or has used drugs;

4. Prescribed medications;

5. The amount of insurance sought;

6. Whether whole life insurance or term insurance is sought.

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