Why Does Life Insurance Cost So Much In Iowa? 
If you have been shopping for life insurance in Iowa and found the prices to be steeper than you expected , it may be because of the following : 1 -RRB- you are over age 40 , 2 -RRB- you are looking for permanent or a long term policy , 3 -RRB- you have a health condition , or 4 -RRB- you use tobacco . The rates that people hear advertised are usually for a younger person with excellent health and with the rate locked in for only 10 years . In 10 years , that person may be in the same situation you are . So you might just want to lock your premium in for as long as you can , because it will probably never be lower than it is today . That is true not just in Iowa , but all over the United States . If the need arises , it will have seemed like a bargain . 