1. Mortality
2. Expenses, and
3. Riders.
Mortality is the calculated likelihood that the insured will die, which is based on the person's age, gender, health, tobacco use, lifestyle, occupation and hobbies, among other relevant factors.
Expenses include the cost of operating the life insurance company and administering the life insurance policy.
Riders added to the base life insurance policy may require additional premiums, such as, adding coverage for your spouse and/or children to your life insurance plan.
Here's how to compare life insurance quotes from leading insurers.