How Much Will Term Life Insurance Cost Me? 
There 's many factors that go into the premiums for life insurance to say what a policy costs - it will be different for every person as we each have our own specific needs . The premium for a policy will depend on the insured 's age , amount of coverage they want , how long they want the coverage for -LRB- for term insurance - 10 , 15 , 20 , 25 , or 30 years -RRB- , their riskclassification -LRB- determined by your medical history -RRB- , and whether they ` reapplying with full underwriting or non-medical term coverage . 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 . Consult with an experienced life insurance broker to determine what coverage is appropriate/suitable for your needs and budget . Please feel free to contact me for help or if you have any other questions . Thanks very much . 