Critical illness insurance premiums are affected by a number of underwriting factors. These include the term (Term 10, Term to 75, Lifetime, etc.), coverage amount, age, gender, smoking status, medical history, family history and some other lifestyle details. The underwriters will gather this information from the application you submit and assess your risk. Once the underwriting is complete, it will be determined if your premiums will remain standard, or if there will be a rating due to increased risk from one of the previously listed factors.