Cheap life insurance: How to get coverage

Adults under 30 often overestimate life insurance costs by 10-12 times. Affordable coverage can cost as little as a streaming subscription monthly, especially if purchased young. Term life insurance is usually the cheapest option, with premiums influenced by age, health, smoking status, coverage amount, and policy length. To lower costs, buy early, choose term policies, shop around, and improve health before applying. No-exam policies cost more but offer convenience.