The premiums that insurance companies charge for life insurance are also based in large part on the overall health and lifestyle profile of the proposed insured. Typically, individuals in good health who do not use any kind of tobacco products or engage in any hazardous activities will be able to obtain less expensive coverage than individuals who are in poor health or who use tobacco or who engage in hazardous activities. Different insurance companies use different criteria in determining the health status and lifestyle of the proposed insured.