How Much Would A Term Life Insurance Policy Cost? 
Term life insurance is generally offered in 5 year increments : 5 , 10 , 15 , 20 and 30 years . So the length of coverage impacts the premium as does the amount of coverage . But the real impact is your health and behavior that dictate the cost of insurance : gender , age , smoking status , health history , current medical condition , vocational hazards , recreational activities and motor vehicle violations . 