How much does life insurance cost per month? 
How much does life insurance cost per month ? Easy , roughly 1/12th of the annual cost with possibly some small fee for the monthly withdrawals . OK -- that is my attempt at humor . Since you are asking about cost right out of the gate , I will only speak to TERM insurance . Other authors have spoken to the medical factors so I will not . Several other factors will also drive pricing . For example , length of term , such as 10-20-30 year periods . Generally the longer the term the higher the cost . Here I am also assuming that like the vast majority of applicants you want the price to remain level for the entire period . Most obviously the sheer amount of coverage you need -- the more you want the more it is going to cost you . If you think that you will be building significant wealth over time , such as a physician might , then consider applying for and putting in force several policies . That way , you can drop one and keep the others in force if you choose to partially self-insure . Whatever you do , get sufficient coverage for your anticipated needs . You will probably never be healthier than you are today ! I hope that was helpful , Ron 