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The cost of life insurance increases every year you age. Buying a life insurance policy when you’re younger and at lower risk for illness can lock you into more affordable premiums for decades.

Some insurance companies have more flexible guidelines for certain health conditions than others, so it helps to apply with an insurer that’s favorable for your personal health profile.

Hobbies like skydiving, piloting a private plane or traveling to places considered unsafe by the state department can affect your rates because life insurance companies might see you as a higher insurance risk.

Make sure that your policy covers not only any current financial obligations, but also any future expenses. If you’re planning to have a family or a mortgage, securing a policy that matches the duration of those future events can help you get coverage at a cheaper rate early on.

There are two main types of life insurance policies: term life insurance and whole life insurance. The right type of policy for you will depend on your personal circumstances, unique needs, how much coverage you need, and how much you want to pay for it.

Every factor that contributes to determining your rates is evaluated differently by every insurer. The best life insurance company for you might not be the best for somebody else. That’s why it’s helpful to compare options across multiple insurance companies.