What risk factors go into pricing insurance premiums?

Is Credit Worthiness a Significant Risk Factor?  Are insurance companies pricing it in when it comes to life and health insurance quotes?  No!  The only risk factors considered are age, occupation, gender and health, mostly determined by height and weight, medication prescriptions and treatment plans. Income or the ability to pay premiums is a factor, but not a risk factor in determining premium costs.  The main risks associated with life insurance, disability or health insurance are actual risks of loss due to premature death, accident or illness.  Individuals on medications treating hypertension, high cholesterol, diabetes, alzheimers, dementia, cancer, end stage renal failure, terminal illness, or chronic illness are eligible for insurance policies.  Talk with an insurance professional to get the best savings possible for your situation.