Your accidental **** is a high risk for insurers. The amount of insurance premium is based on the level of risk associated with it. Life insurers classify risk based on age, health, lifestyle, occupation and hobbies. Age plays an important role in determining the risk of any life insurance. If you are older, then insurance companies charge high premiums from you. On the other hand, lower premium is charged from people falling in a younger age group. Freepricecompare.com is the best place to find the best suitable life insurance plans. Do not forget to check our insurance guides to get more details on the scenario of insurance in the UK.