When comparing life insurance quotes, match policy type, term length, and death benefit. Costs vary by age, gender, health, and tobacco use. A 20-year, $1 million term policy ranges from about $36 to $2,392 monthly. Whole life policies cost more and include cash value. Factors affecting rates include health, lifestyle, occupation, and gender. To lower costs, shop around, consider group insurance, choose term policies, and maintain good health.