The average life insurance rate by age, sex, and coverage type - Business Insider

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The average life insurance rate is $44 per month, but there's a good chance yours will be different

The most noticeable difference is in the older ages of the sample premiums — after age 35, premiums go up significantly. The sooner you get your coverage, the less you could pay each month. Waiting for life insurance coverage won't make it any cheaper, as the data above shows. There's more than just age, sex, and type of insurance that can influence your rates. Your lifestyle and health history could also influence the price you pay.

According its data, a 45-year old male smoker with a 20-year, $500,000 policy would pay $289 per month for coverage, while a nonsmoker would pay about $52.Avid skydivers, scuba divers, or travelers could find that their insurance rates are higher than others. It's not uncommon for insurers to ask about your history with these activities, your travel history, and your future plans. A bad driving record could also add to the cost of life insurance.

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for men it should be double since they have a high mortality rate.

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