Why Is Life Insurance So Expensive? 
The premiums that Life Insurance have depend on a number of factors . Age Smoking or not Ht/Wt Medical History - Medications Driving Record Hobbies which are risky like sky diving , hang gliding , racing , diving , etc. . The Insurance Company Type of Insurance such as term or permanent Last , amount of the death benefit you are looking for ! If you are younger , are healthy with a clean background , and looking for something under $ 500k , and looking for term insurance , your rates will actually be pretty low . Always shop around to find a company that favors your history , the type of insurance you are looking for and the premiums as each company is a bit different . 