Cheap life insurance is one of the primary goals of most consumers. From newlyweds to new grads, newly retired individuals to working professionals-no matter what stage of life you are in chances are good that you want cheap life insurance.

Life insurance rates are determined by your health, gender, age, weight and smoking status. An extremely healthy non-smoker might qualify for a super cheap life insurance rating class like preferred plus but a smoker might only qualify for standard smoker. Of course, like anything there are a few exceptions.