How Much Will Whole Life Insurance Cost Me? 
The cost of any life insurance policy depends on factors such as age of the person being insured , whether the applicant has health problems or other risk factors , tobacco use , and amount of coverage desired . That being said , Whole Life insurance usually costs considerably more than Term insurance because it is designed to last until death and to create some cash value . In some situations involving very poor health , advanced age , or when a very small face amount is desired , Whole Life can cost less than Term -LRB- if Term is available at all in that situation -RRB- . It is imperative to use a reputable agent or agency who will show you what you can get in your price range and help you weigh out the type and amount of coverage to get to best suit your needs . 