Are you looking for affordable life insurance coverage, and wondering how much your life insurance policy will cost?

If so, you should first understand how rates for life insurance are determined.

Each life insurance company has their own set of rating guidelines based on your personal risk factors.

In addition to the type and amount of life insurance you need, other factors affect the price you pay for life insurance.

These are called personal risk factors, and they help the insurers to determine your longevity - how long you are expected to live. The longer the better, because you will pay your life insurance premiums for a longer period of time before they might have to pay a death claim on your life insurance policy.

Personal risk factors for life insurance include your age, gender, health, family health history, occupation, hobbies, lifestyle, if you smoke, your driving record, credit history, height-to-weight ratio, and your among other things.

Basically, the younger and healthier you are, the lower your rate for life insurance.

Also, if you have health issues or are over a certain age, you may find it costly, or even impossible to qualify for life insurance, that's why it is important to buy life insurance when you have a need, instead of waiting too long.

Here's how you can request instant life insurance quotes online and compare the lowest rates from over 70 leading life insurance carriers to help you find the most affordable life insurance coverage.