How Much Does Life Insurance Cost For A Family Of 4? 
Unfortunately , that question is impossible to answer because there are so many variables that determine the cost of life insurance . The premium for each person will depend on their gender , age , tobacco status , build and health . The type of policy you get will also make a big difference in how much life insurance will cost for a family of 4 . Sometimes the same policy will work for the entire family , usually through the use of riders . Keep in mind that if the primary Insured passes away , the spouse and/or children on the rider will need to get a new policy . I generally advise adults to get their own policies , because often they can get a better rate using different companies . With kids , it can be very cost effective to put them all on one rider . If something would happen to the primary Insured , they are usually able to convert or get another policy at a reasonable price . 