How Much Does It Cost For Life Insurance? 
The cost of life insurance varies a lot based on factors such as age and health of the applicant , tobacco use , and the type of policy . You may see or hear ads about people being able to get short Term life insurance for under $ 10/month , and that is possible for nonsmokers who are young and in excellent health . But while they are eligible for such good rates , that is also is a good time to lock in a premium for a long Term or permanent policy , if long term insurance is important to them . It is wise to find an agency that can shop to find the best rate for your particular health and age , but also help you look at the big picture and design your life insurance to meet your needs , desires , and budget . 