There are several factors that will have an impact on your rate for life insurance, including but not limited to: Your Age, rate, health, lifestyle and habits, where you live, what kind of life insurance policy you buy, what riders you buy, and how much coverage you buy.
Factors: Your age and gender - older = less time to pay for life insurance before you die = higher premium, also women tend to live longer than men, so they will pay less, too.
Health - they may do a physical exam for you and see if your fit or not. Any disease like diabetes or heart disease will factor into your rate. People with health issues will pay a higher rate than standard.
Hobbies - are you a smoker, drinker? Do you participate in high risk activities like bungee jumping or rock climbing? If so, your rate will be higher.
Occupation - high risk job will likely increase your premium
The amount of coverage, if you want to get more money out at the end, you pay a higher premium.
Here's how you can compare top 10 life insurance companies and request free life insurance quote comparisons online.