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There are 5 keys to calculating the cost of life insurance.

1) Policy- The type, coverage, and term of the policy plays a role in the pricing tier of any policy.
2) Health- Some policies will require health screening in order to get the best premiums
3) Age- The older you are the more expensive the policy premium will be.
4) Lifestyle- People who have dangerous careers or hobbies can pay more for life insurance
5) Gender- On average Men will be rated higher and pay more for life insurance than women.

It's important to be truthful about all factors involved in rating your policy to get the best rates and to ensure that your policy is valid.

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