Life insurance rates are based on your life expectancy - how long you are expected to live.
In order to determine your longevity, an insurance company has you answer some questions about your health, and maybe take a physical exam, and they use this information to determine the rate you will pay for your life insurance.
Your life insurance rate will depend on the type and amount of life insurance, as well as, your personal factors.
The personal factors that affect your rate may include your age, gender, health, family health history, occupation, hobbies, driving record, whether or not you smoke, your height-to-weight ratio, etc.
Here's how you can find out how much does life insurance cost and compare some of the lowest rates for life insurance from highly-rated insurance companies.