Why Do Life Insurance Rates Vary? 
Great question ! There are a lot of reasons why the rates vary . Some of the biggest are your age , your health , and whether or not you smoke . Someone who is older , smokes a pack a day , and has high blood pressure and diabetes will pay a higher rate than the same person who does n't smoke . Someone younger and healthier will pay much less than these older folks will . Different companies will charge more or less than another as a result of their profit margins and financial needs . Different types of policies cost differently also . I 'd recommend that you look for an agent that will help you find a policy that fits your needs and budget . If you have more questions , please contact me , I 'm happy to help . Thanks for asking ! 