You will pay substantially less for life insurance if which of the following factors is true?
a. you are over the age of 60.
b. you are in good health.
c. you smoke.
d. you have many speeding tickets or accidents.

The answer is: b. You are in good health.

When you are in good health, the insurance company would see you as a low-risk investment since it you are less likely to become ill and make them pay coverage for the treatment. This would make your insurance payment become substantially less compared to non-healthy or older people.