When comparing life insurance quotes, match policy type, death benefit, and term length. Costs vary by age, gender, health, and tobacco use. A 20-year, $1 million term policy ranges from about $36 to $2,392 monthly depending on risk factors. Whole life policies cost more and increase with age. To get the best rate, shop around, consider term insurance, maintain good health, and quit smoking. Apply for exact premiums after initial quotes.