How much does life insurance cost per month? 
The cost of life insurance depends on a number of factors . I have listed a majority of them below ... Type of insurance : Term insurance cost a lot less than permanent insurance but term will expire after a set number of years such as 10,20,30 . Prices with permanent insurance vary as well with UL usually costing less than whole life but whole life builds a guaranteed cash value much better than UL will . Face amount : This one goes without saying really . The larger the death benefits , the more the insurance will cost in general . There are price breaks at certain face amounts however . Health : this is a big factor . The healthier the person is the lower the cost of the insurance will be . A person with a super preferred rating will cost much less than someone that can only get a standard rating . Tobacco use also drives prices up a great deal . Company and State : Rates will vary greatly from company to company -LRB- even for the same type and level of coverage -RRB- . Rates are also different by state . Fully underwritten vs. quick/easy issue : A fully underwritten policy requiring an exam is potentially less expensive than an easy/quick issue policy that does not require a medical exam/para med . 