What Determines Life Insurance Rates? 
That is an excellent question ! There are a lot of things that determine your cost for the policy . The biggest are your gender , age , smoking preference , and health status . Add to that the size of the policy desired , your medical history and prescription history ; where you live and what you do for a living ; your family medical history ; and the company 's costs , overhead , and profit taking . Then picture your policy like a fitted jacket . It will fit you , but not anyone else . Your rate is like that - there are very few `` one size fits all '' rate plans out there -LRB- and I 'd personally probably stay away from any one of them that I found ... -RRB- . A good independent agent -LRB- one not tied to a specific brand name -RRB- can help you with several quotes to find the policy that fits you best . Thank you for asking ! 