There are a few things that go into calculating your critical illness insurance premium, and they vary from insurer to insurer. But some of the main things that are considered are:
-The amount of coverage you want
-The length of the policy term
-Whether you smoke or not
Generally speaking, the older you are, the more coverage you want, and the longer the policy term, the higher your premium will be. smoking is also generally penalized with higher premiums.