How much does a $100,000 life insurance policy cost per month?

The monthly cost of a $100,000 life insurance policy depends on your age, sex, health, tobacco use, and the type of policy. Term life is the least expensive option for healthy applicants, and premiums rise with age and longer terms. Choosing a no-exam policy raises the cost, because the insurer knows less about your health and charges more per $1,000 of coverage. Guaranteed-issue coverage, which skips both the exam and health questions, generally offers only modest coverage amounts.