When it comes to pricing of life insurance, the rate per $1,000 of coverage is based on several key factors, including the type of life insurance, duration if coverage and amount of insurance.
In addition, your own personal risk factors will affect the price you pay, including your age, gender, health, family health history, driving record, lifestyle, hobbies, occupation, tobacco use, height-to-weight ratio, etc.
If you are very healthy and don't smoke, you pay a lower rate than someone of average health, or a smoker.
If you have a high risk job or occupation you pay more than someone with a low risk job.
If you have a health condition that may shorten your life expectancy, you pay a higher rate than someone in good health.
And, smokers may pay up to 2-3 times more for the same coverage compared to non-smokers.
Learn more about "What Makes Life Insurance Cost More?"