About How Much Does Life Insurance Cost? 
Life insurance is priced based upon your medical records , behavioral activity , financial justification and whether youre covering temporary or permanent financial liabilities , future obligations and have any charitable intent . Medical information is critical to securing the best possible underwriting offer . Your premium price tag depends on your gender , age , smoking status , health history , current medical condition and paramed exam results . Your premium price tag is also dependent on your behaviors like : motor vehicle violations , dangerous recreational activities and vocational hazards . Your premium price tag will be determined by totaling your financial liabilities , future obligations and charitable intent , so you can justify the amount of coverage youre applying for , whether that coverage is temporary or permanent . 