Your rate depends on a number of health-related factors – your age, your health condition and whether you smoke or not to name a few. Since life insurance gets more expensive as you get older, you can opt for longer term policies to lock down your rate. Many people have life insurance at work as part of their group benefits program. Consider that if you leave work for any reason whatsoever, your coverage will be cancelled and you will have to purchase new life insurance at your current age. Term Life insurance is a great way to get started, but we also offer other options like permanent and universal life insurance.