In addition, your own individual risk factors impact the premium for your insurance, including your age, gender, health, family health history, occupation, hobbies, if you smoke, lifestyle, driving record, height-to-weigth ratio, etc.
Premiums are much lower for term life insurance which is temporary coverage for up to 30 years, compared to premiums for permanent life insurance which provides lifetime protection and costs a lot more.
TIP: Choose annual premium payment option instead of monthly premium payments - This may save you some money on your life insurance policy.
One way to find out how much life insurance may cost you is to compare free, instant life insurance rate quotes online from multiple insurers at once. This way you can see which companies may offer you the most affordable plan.