A general idea of what you will pay. Getting a range of quotes from a life insurance quote site such as LifeQuotes.com will give you an idea of the range of prices that you can expect to pay. If you go for a specific quote and it's much higher or lower, ask why.
How much life insurance you need. Don't let your insurance company oversell you. The chances that your loved ones will actually need to collect are slim. Don't pay more than you need to.
Your health and lifestyle risks. A young, healthy person will have the lowest life insurance premiums, and if you buy them then, the cost won't go up. Your premiums will increase if you are obese, have ongoing health conditions, smoke or have a high-risk job or lifestyle. Improving your health and making adjustments to any high-risk behaviors will lower your premiums.
That term life is the way to go. Life insurance sales people are well-trained and can make "investment" packages that include whole life (also called universal life, variable life and permanent life) insurance policies sound very attractive. They make a lot of money, but these policies don't pay off as well for you. Experts agree: Get a term life policy and put the money you save from lower premiums in bonds, a 401(k) or other higher-yield investments. Whole life policies are suitable for a very small segment of the insurance population, and you'll know if you're one of them.