Different insurance companies have different ways of calculating how much one unit of coverage costs. Factors such as age, gender, and state requirements can all affect the cost of a unit. For example, an insurer in one state may charge more for a unit than an insurer in another state. Additionally, other life insurance companies may charge more for units worth $5,000 or $10,000 than others. When shopping for insurance, it's important to compare rates from multiple providers to ensure you're getting the best deal possible.