Why Is Life Insurance So Expensive In Wisconsin? 
If you have found that life insurance is expensive in Wisconsin , it is probably due to one or more of several reasons : 1 -RRB- You are an older person . The younger you are , the cheaper life insurance is , when other factors are comparable . 2 -RRB- You smoke . Tobacco rates often run three times nontobacco rates . 3 -RRB- You have a health condition . Health can make a big impact on life insurance premiums . 4 -RRB- You are buying permanent insurance . The longer you lock in the rate , generally , the more it costs . But then you do not have to purchase a new policy at an older age , when the short term policy runs out . 5 -RRB- You do not have a selection of policies from which to choose . Using a broker can help you get the lowest cost . 