Age and sex are two of the biggest factors in determining your life insurance premium. Females live longer than males, so their premiums are lower. Similarly, premiums become higher as you get older.

Because premiums increase with age, it is good to "lock in" a rate for 20 or 30 years while you are young. You can always cancel the policy and get a new one if rates go down.

Underwriting Example
This table lists the lowest annual premiums, at the time of publication, for $250,000 of 10 year term insurance for super-preferred non-smokers.