The key factors for life insurance pricing include the type and amount of life insurance you buy, as well as, your age and gender.
In addition, your personal risk factors will play a role in the price of your coverage, including your health, family health history, driving record, lifestyle, tobacco use, occupation and hobbies, credit history, and height-to-weight ratio, among other factors.
The longer you are expected to live and keep paying premiums on your life insurance, the lower your rate per $1,000 of coverage. So, the younger and healthier you are when you purchase a policy, the lower your cost, since you have a longer life expectancy - longevity.
To make sure you find the most affordable policy, make sure you compare multiple life insurance quotes among several of the best insurance carriers.