How Much Should Life Insurance Cost Per Month? 
There 's many factors that go into the premium calculations for life insurance to say what an average plan costs per month - it will be different for every person due to a number of factors including their age , gender , amount of coverage they want , how long they want the coverage for , their riskclassification -LRB- determined by the medical history -RRB- , and whether they 're applying with full underwriting or non-medical underwriting . The risk classification is the MOST critical factor in determining the cost -LRB- premium -RRB- of a life insurance policy . The risk class depends ona number of factors including whether you 're male or female , your medical history , height/weight profile , any tobacco usage , and other factors . Please keep in mind - 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- . Non-medical term life insurance policies will almost always cost much 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 . I would suggest consulting with an experienced life insurance broker who can work with you on a personal level and help determine what coverage is appropriate/suitable for your needs and budget and which carrier will work best for your program . I hope the information is helpful - please feel free to contact me for help or if you have any other questions . Thanks very much . 