First, each life insurance company has their own set of underwriting and rating guidelines, which means each insurance company has different prices for life insurance.
Also, the type and amount of life insurance will have an affect on how much your life insurance will cost.
In addition, other factors affect rates for life insurance, including your age, gender, health, family health history, credit rating, driving record, height-to-weight ratio, occupation, hobbies, if you smoke or not, etc. Each of these factors may affect your life expectancy, and the longer you are expected to live, the lower your rate for life insurance.
One way to find the most affordable plan is to compare life insurance quotes among several highly-rated life insurance companies.