Yes it's cheap! But it's cheap because most likely most of us are not going to die...well someday we all go but most of us should live a long life. But we all know it can happen AND it will be the most catastrophic event to those around you, emotionally and financially. So since it's not expensive why not do it? Here are some sample rates: Male, 40, non-smoker, average health $1,000,000 of term-10 $55 monthly Female, 40, non-smoker, average health $1,000,000 of term-10 $40 mo