What Does Life Insurance Cost? 
Life insurance is a mortality product for protecting financial liabilities for the surviving family members , business associates and charitable organizations that depend on your benevolent giving . The premium price tag depends on whether you purchase term or permanent life insurance . It also factors in you personal information like gender , age , smoking status , health history , and current medical condition . It also takes into consideration your behaviors like recreational activity , vocation hazards and motor vehicle violations . All these items weighed carefully in the determination of the premium price you 'll pay for life insurance . 