The average cost for life insurance depends on a number of factors, including your age, gender and type of policy. It also depends on the amount of coverage you choose and how long you want your policy to last. For example, a ten-year term policy costs less than a 30-year term policy.

When shopping for a life best life insurance provider policy, you should take into account your existing and future financial goals and obligations, like paying off a mortgage or financing your children’s college education. You’ll also want to factor in inflation. A $250,000 death benefit today may not go as far in 2025.

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Your family’s medical history and current health also influence life insurance rates. You’ll pay more for life insurance if you have pre-existing conditions like high cholesterol or high blood pressure. You’ll pay more for a life insurance policy with a longer term or higher coverage amount, too. Lifestyle and hobbies also play a role. Insurers typically assess your driving record and criminal background and consider whether you regularly participate in dangerous activities like skydiving or scuba diving.

Other factors that can impact your life insurance rate include the location where you live and your job. For example, a law enforcement officer or other occupation with a high risk of mortality will likely pay more for a life insurance policy than an accountant or nurse. You’ll also pay more for a life insurance policy if you travel to war zones or are exposed to hazardous materials at work.