What Are Average Term Life Insurance Rates? 
To see what average Term Life Insurance rates are for someone your age , go to a quote engine on a website that offers instant quotes -LRB- as mine does -RRB- . Look at the Standard rates . Those are what someone with an average life expectancy would pay for life insurance . Of course , the average rate for any one person depends not just on age , but also their health , whether they smoke , gender , and other things . Those factors can cause one 's premium to be much higher or lower than Standard . 