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Premiums depend mainly on age, health, tobacco use, coverage amount, term length, and policy type, not on the state you live in. Because each carrier underwrites differently, the same person can receive very different quotes.

Research from LIMRA found adults 30 and younger overestimate the cost of term coverage by 10 to 12 times. Comparing several carriers through an independent agency is the fastest way to see your real price.

Want real numbers? Get an instant life insurance quote online or call Bridgeway Insurance at (877) 418-2484.

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