Why Is Life Insurance So Expensive? 
Actually , life insurance rates are currently at a 40 year low due to the rise in mortality . However , life insurance premiums are very subjective . There are many factors to consider when pricing a policy . Factors such as age , build , occupation , life style , health conditions , and even where you live are all considered by an underwriter in determining a life insurance price . I recommend contacting an experienced independent broker who can shop many carriers to find the right product at the right price for your unique situation . 