The lower the amount of life insurance, the lower your cost. In addition, a permanent life insurance policy will cost a lot more than term life insurance.
Your personal risk factors will affect your rate for life insurance. These factors include your age, gender, health, occupation, lifestyle, if you smoke or not, and your driving record, among other factors.
Personal risk factors are an indication of your longevity – how long you are expected to live - the longer your life expectancy the lower your rate for life insurance.
You can compare multiple life insurance rate quotes from several of the best life insurance companies by requesting free quotes on the internet.