What Are Typical Rates For Life Insurance? 
Here are some sample rates for you : $ 100/month $ 1000/month $ 10,000 / month Hmmm . Clearly , more information is needed . Face amount ? Guarantee period ? Gender ? State of residence ? Smoker status?Underwriting class ? You want to know something interesting ? You could have two people born on the same day , same gender , same medical history , and same everything else , except one of them had a parent who died of cancer before age 60 - and each could be charged a different rate for the exact same life insurance product ! Life insurance underwriting gets very , very particular . This , of course , means that your broker should prequalify you for coverage so that you know you are being given both a low rate , and a reliable rate , tailor made just for you . Not what is typical , but what is competitive for YOU . Life insurance just can not be treated as any old commodity when you shop for it . You can go to the Internet and shop for any car . As long as you are keeping consistent with the features , you can find out what different dealers and private sellers would charge for it . An apples for apples comparison . But the thing is with life insurance , different companies specialize in underwriting different types of risk . Some are good for heart cases , other for cancer cases . Others only really want people with no history of serious illness at all . Not only that : your broker has to have a very good relationship with the carrier to get it to be very aggressive in applying its underwriting standards . You cant just call up the carrier on some website quote service and expect to get the rate on your screen . Many times the broker has to advocate on behalf of the client to make sure the rate quoted is the rate approved . It takes work . Really , the last thing you want is a typical rate . What you want is the rate that is the best for you . You can invest a little time with a broker who will pre-underwrite you , and youll find out in short order . 