Who Offers The Cheapest Life Insurance? 
This ultimately depends on what your risk class is that you qualify for with a carrier . The risk class is the most critical factor in determining the cost -LRB- premium -RRB- of a life insurance policy . The risk class depends on a number of factors including whether you 're male or female , your medical history , height/weight profile , any tobacco usage , and other factors . Every carrier has their own set of underwriting guidelines and mortality tables , and each may offer a different risk class for a given medical profile - e.g. company A may offer preferred -LRB- featuring lower rates -RRB- and company B may only offer standard -LRB- featuring higher rates -RRB- . Just comparing quotes from numerous companies that show the same risk class wo n't give you a truly accurate picture . Unfortunately there 's too many factors that go into premium pricing to say what you should or should not be paying for your coverage each year . A lot of it depends on what type -LRB- s -RRB- of coverage you 're looking to purchase , the amount of coverage , and your health history . Non-medical policies generally cost more than fully underwritten policies that require an exam because an insurance company is taking on more risk without having a full medical picture of you . Consult with an experienced life insurance broker to see what plans are available and discuss the needs for the coverage . We can help you create the benefit structure that would be best suitable to meet your needs . From there we can compare and analyze multiple carriers to see which will offer you the coverage with the lowest premiums . Please feel free to contact me for further assistance . Thanks very much . 