You can quickly get a quote on our site by answering a few basic questions about yourself to get an idea of how much your monthly premiums could be. However, this is an estimate based on the information you provide. When you submit your application, underwriters review your detailed information and calculate the actual cost of insuring you. Your ultimate cost is based on a number of factors, including the term length you select, your medical history, health, age, and lifestyle. Other factors that may affect your price include your driving record, criminal record, credit score, occupation, and any risky hobbies you may have.