The cost of each different policy offered by a life assurance company varies widely, and depends on a number of factors: the type of policy, the length of the policy term, the size of the death benefit, the flexibility of the policy, number of people covered by the policy and so on.

The cost of premiums will also depend to a large extent on your answers to more personal questions: the company will wish to know your age, your state of health, whether or not you smoke, what you do for a living and similar questions. They will likely also wish to know whether certain diseases and conditions run in your family, such as cancer, heart disease or other potentially fatal conditions.