In some cases, credit scores can affect life insurance premiums and eligibility. Insurance companies may use credit-based insurance scores, which are different from traditional credit scores, to assess risk and determine premiums for life insurance policies. Credit-based insurance scores are based on credit report information and are used to predict the likelihood of a policyholder filing a claim. Individuals with lower credit-based insurance scores may be charged higher premiums or may have limited options for coverage. It's important to note that the use of credit-based insurance scores varies by state and insurance company, and not all states allow this practice. Additionally, some states have regulations in place to limit the impact of credit scores on insurance premiums. When applying for life insurance, it's advisable to inquire about the use of credit-based insurance scores and how they may affect the cost and availability of coverage.