Cost Guide
What Affects Life Insurance Cost
A few key factors shape what you'll pay for term or whole life coverage.
Age & Health
Younger, healthier applicants typically qualify for lower rates.
Coverage Amount
The death benefit you choose directly shapes your premium.
Policy Type
Term and whole life pricing differ significantly from each other.
Tobacco Use
Tobacco use generally increases rates substantially.
Related Reading
- How Tobacco Use Affects Your Life Insurance Rate
- No-Medical-Exam Life Insurance, Explained
- Is Your Employer's Life Insurance Enough?
