Term life insurance costs can vary based on several factors, including the individual's age, health, coverage amount, and term length. Generally, younger and healthier individuals can secure lower premiums. The coverage amount and term length also play a significant role in determining the cost. Additionally, lifestyle factors, such as smoking, can impact the cost of term life insurance. It's important to shop around and compare quotes from different insurance providers to find the best rates. Factors like medical underwriting, policy riders, and the insurance company's financial stability can also influence the cost of term life insurance.