Jewel is a 25-year-old non-smoker who is starting a term-life policy. She enjoys reading and likes to walk around the small lake near her house for daily exercise. She lives with her mother who has a history of heart problems.Which factor would negatively impact Jewel's insurance premium?Jewel is relatively old so her premium may go up.Jewel’s hobbies are high-risk so her premium may go up.Jewel’s lack of physical activity may cause her premium to go up.Jewel’s family’s medical history may cause