What Are The Factors That Determine How Much Life Insurance Will Cost? 
That is an excellent question ! The main things that determine your rate are your age and gender ; your smoking preference ; your immediate and past health conditions ; The prescriptions that you are taking ; The type of policy and the coverage desired ; and the companies costs of insurance , fees and profit margins . Things like your job , your family 's health histories , and where you live can also play a part . Depending upon the policy that you are looking at , some or all of these can play a part . I hope that helps , thanks for asking ! 