How Much Does Life Insurance Generally Cost? 
It is impossible to say what life insurance generally costs because the rates are so different for each policy . The ads that give a rate usually are basing it on a 10 year Term policy for an extremely healthy person , and that can be as low as $ 10/month for a 25 year old male purchasing $ 250,000 of 10 year Term life insurance . Bump the applicant 's age to 55 and the price quadruples to $ 40/month . Drop his health from the best class to Standard and the rate nearly double again . Let 's say the 55 year old man gets nervous about buying 10 year Term at that age and opts for permanent coverage . The lowest price for $ 250,000 of no lapse Universal Life at for a 55 year old man rated Standard is approx $ 320/mo . As you can see , so many things affect the price . But it is very easy to compare quotes for yourself by going to a website quote engine that offers free and instant quotes . Some , like ours , will even ballpark quotes with certain health conditions , but it is always best to call to talk to someone when you have a health condition , so that you can get an accurate rate . 