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Type of work: Is your job hazardous? For example, if you work in underground mining, high-rise construction or work with explosives, you'll carry a higher rate.


Driving record If you've been convicted of reckless driving or DWI in the last 5 years will increase your rate.


Your familial history Have your parents or siblings had cancer or cardiovascular disease before the age of 60?


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Once you've elicited quotes from several companies, compare your



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