Since your rate for a life insurance policy depends on your age the younger you buy your life insurance coverage, the lower your cost for a policy.
And, your health is also a factor affecting your rate for life insurance, so, if you smoke or are overweight, make sure to improve your health before applying for a policy. Or, you could buy a policy and then, after lowering your weight, and quitting smoking, as for a re-rate of your life insurance policy.
Other factors that affect your cost of life insurance may include your driving record, credit history, occupation, hobbies, family health history, and lifestyle.
In addition, you may be able to save some money on your life insurance policy by choosing to pay your premium once per year. Sometimes they charge you more if you pay monthly.
Also, term life insurance costs a lot less than permanent life insurance, so, if you only need life insurance for a period of 30 years or less, term life may be a good option to help save you some money.
And, make sure you compare life insurance quotes among several life insurance companies, since rates can vary quite a bit between insurers.