Who Has The Cheapest Life Insurance Rates? 
Assuming this question refers to term life insurance , there are several health classifications for both male and female with differing guaranteed periods of coverage like 5 , 10 , 15 , 20 and 30 years . A life insurance company will determine your underwriting classification based on your gender , age , smoking status , health history and current medical condition . It also includes activities that can modify the premium price based on motor vehicle violations , dangerous recreational sports or hazardous vocations . Some of the reoccurring insurance company names that frequent the term life insurance spreadsheets are SBLI and Ohio National . 