How Much Should I Be Paying For Life Insurance? 
With every year the risk of you dying increases . The cost for providing you insurance also increases . The statistics that underlie the development of the insurance premium vary little . So , the difference between premiums for the variety of policies available is the result of the length of time that the company assumes the risk and how close you are to the standard risk . If you have had multiple heart attacks , your premium will be greater than a long distance runner in good health . The price that you are paying for life insurance is monitored by your state insurance commissioner . You are probably getting good value , regardless of which policy you have purchased . The policy that is in force when you die is the best possible value . 