A client who is self-employed and has sought advice on income protection insurance. What would be five factors that will cause the premiums to

A client who is self-employed and has sought advice on income protection insurance. What would be five factors that will cause the premiums to increase? Illustrate the answer with an example (e.g. illustrate the potential difference in premiums for two people of different ages, occupations, genders, habits, hobbies etc).