How Much Does Life Insurance Generally Cost? 
Life insurance pricing is a matter of mathematics . The shorter the period of coverage , the lower the premium . The older the insured , the higher the premium . There are savings in policies with higher death benefits -LRB- reduced administration and underwriting costs . -RRB- There are preferred prices for people who have a lower Body Mass Index . There are higher prices for people who use tobacco products . The thing to remember is that the basis for all of this is mathematics , so it is really unusual to discover a deal . 