How Much Will Term Life Insurance Cost? 
The term life insurance brokerage market is fiercely competitive and offers a range of guaranteed premium periods like 5 , 10 , 15 , 20 and 30 years . The non-rated health classifications are based on two categories : non-smoking and smoking . The non-smoking category is segmented into five sub categories : super preferred , preferred plus , preferred , standard plus and standard . The smoking category is segmented into three sub categories : preferred smoking , smoking and no-cigarette tobacco . Then theres the impaired risk categories classify mortality charges of insureds below the standard ratings , up to 16 tables . Your gender , age , smoking status , health history and current medical condition are all mitigating factors in premium pricing term life insurance . A nonsmoking super preferred male or female , age 25 purchasing 10 year guaranteed level term life insurance for $ 100,000 of coverage will pay around $ 80-85 a year . 