What Are Good Rates For Term Life Insurance? 
Good rates for term life insurance are the lowest rates from a given carrier you can qualify for for the desired face amount and term length of coverage . The premiums for any life insurance policy are determined by the risk classification the carrier will approve you for . The better the risk class you qualify for , the lower your rates will be . The risk classification is dependent upon a number of factors including , but not limited to , your age , gender , height/weight profile , medications you may be taking , medical conditions you may be being treated for , family medical history , and any tobacco usage . Please note , every carrier has their own set of underwriting guidelines so , depending on your medical history , you may qualify for a better risk class with one carrier than another . This is why it 's important to shop the case among a number of carriers to make sure you 're getting the lowest rates for the desired coverage amount and term length - this does not mean apply to many companies -LRB- applying to multiple companies works against you -RRB- . It means review your medical background with an experienced , independent life insurance broker who can shop the case for you to determine which carrier will work best for your medical history and offer you the lowest rates . Insurance brokers do not charge any fees for their input so you can only help yourself by speaking with one . I hope the information is helpful - please feel free to contact me for assistance with your life insurance coverage , provide quotes , and policy comparisons , and if you have any other questions . Thanks very much . 