How Much Does Life Insurance Cost A Year? 
It depends on many factors , but here are the main factors for price . 1 -RRB- What 's the policy type ? 2 -RRB- What 's the face amount ? 3 -RRB- What 's your gender ? 4 -RRB- What 's your age ? 5 -RRB- What 's your general health like ? 6 -RRB- Are you a tobacco user ? What you should look at are basically two main questions . What does the life insurance cover and how much do I need ? Cost is a factor for a policy , but it 's much more important to get the right policy with the riders you 'll need . 