人寿保险究竟需要多少钱这个话题是一个很难有确切答案的事因为这依赖于许多的元素。这其中很大一部分原因有如下几个问题来决定：

你的年龄：年纪越大则费用越高；

你的健康：处于身心健康的人通常会比高血压、糖尿病等其他身体状况不佳者支付更少；

是否吸烟：吸烟者会比不吸烟者支付更多；

你的爱好：通常喜欢极限运动（譬如跳伞运动）会需要支付更多的费用；

你的性别：通常女性平均会比男性活的更加久，因此女性往往支付费用会更少；

你购买保险的类型：定期寿险会比终身寿险支付更少有两个原因：定期寿险不必包含储蓄的属性同时它会比终身寿险事件更短；

你承担的级别和期限：价格会随着承担级别和期限长短增加而支付更多；

通常对所有人来说：
简而言之，不要在过了年龄，缺乏健康以及你已经养成吸烟的情况下去申请人寿保险。有许多的条款会限制你所希望获得的权益并且千真万确的是而恰恰你正在配合医生做生体康复。而确定无疑的是此时的情况会较年轻、健康和非吸烟者支付更多（加费）

这比你自己想像的会支付更少
非常好的是，通常人寿保险通常没有你想象的那样需要支付超级多。

近期我们一份barometer 研究显示人们认为的保险费往往是实际需要支付的3倍以上。许多人们惊奇发现一个30岁健康的人只需要花费100元/月就可以得到150万的水平的保障。通过这项保障，有的家人会在你建立保障之后的30-50岁之间过世时得到150万。（并且他们会不用支付所得税一次性得到150万）

一个快速和容易的方式去得出你究竟应该支付多少保费可以在“人寿保险计算器”。（通过）简单回答一些设置的问题而得出一份接近符合你家庭情况的数字。

当下如果没有时间
如果你目前财务比较紧张，最当务之急是让人寿保险覆盖的你的生活开支账目。

这是因为我们无法预知未来会如何。并且，人寿保险倾向于越早购买越便宜。因此通过当下好的利率来锁定保障，有就会持续保持一个好的身体状况。

因此当下就可以去寻找一个适合自己的保障啦。

What is the average life insurance cost?

The average life insurance cost is a tricky thing to pin down because it depends on several different factors. The most important ones that go into the price of life insurance include:

Your age: The price of life insurance increases the older you are.
Your health: People in good physical health generally pay less than those who have high blood pressure, diabetes or other health conditions.
If you smoke: Smokers usually pay more than nonsmokers.
Your hobbies: You’ll likely pay more for a policy if you engage in dangerous hobbies like skydiving.
Your gender: Because women on average tend to live longer than men, they generally pay less for life insurance.
The type of policy you buy: Term life insurance costs less than permanent life insurance for two reasons: it doesn’t have a savings plan component and it only covers you for a set amount of time rather than your whole life.
Your coverage level and term: The price goes up the more you increase the coverage level and the length of the term.
A Policy for Every Person

That said, don’t let your age, less than perfect health or the fact that you smoke keep you from applying for life insurance. There are many different policies out there for anyone wanting coverage—and this is especially true if you’re working with a doctor to get a health condition under control. Just know that you may have to pay a bit more for a policy than someone who’s younger, healthier and doesn’t smoke.

It Costs Less Than You Think

You’ll also be glad to hear that life insurance probably costs a lot less than you think.

Our most recent Insurance Barometer Study revealed that people think life insurance costs three times more than it really does. Many people were surprised to learn that a healthy 30-year-old can get a $250,000 20-year level term policy for just $13 a month. With this policy, your loved ones would receive $250,000 if you were to pass away between the ages of 30 and 50. (And they’d receive the full $250,000, since life insurance proceeds almost always pass on tax free.)

A quick and easy way to get an idea of how much life insurance you’d need is to use our Life Insurance Needs Calculator. Simply answer a few questions to get an estimate of the amount you’d need to protect your nearest and dearest.

No Time Like the Present

If you’re on a tight budget, it’s important to remember that any amount of life insurance coverage is better than none at all. And that there’s no time like the present to get it.

That’s because we never truly know what tomorrow will bring. What’s more, life insurance tends to be less expensive the earlier you buy it. And by locking in coverage at a good rate now, you’ll ensure it will continue should you develop a health condition later on.

Get started today by looking at the various ways to get coverage.