Life insurance rates are the cost per $1,000 of life insurance coverage you buy.
Term insurance is temporary life insurance for a specific period of time.
Most term insurance plans offer coverage for a "term" of 10, 15, 20, 25 or 30 years which you choose when you buy your policy.
The longer the "term" for coverage, the higher your rate per $1,000 of life insurance because there is a greater risk of you dying during the longer term for coverage.
Your rate for term insurance is based on your age, gender and amount of life insurance, as well as, the term you choose.
In addition, your personal risk factors affect your rate, including your health, family health history, lifestyle, tobacco use, driving record, occupation, hobbies, height-to-weight ratio, , etc.
Here's how you can compare life insurance rates for term insurance.