If you want to save money on life insurance, quit smoking and start your policy when you're young.
InsuranceQuotes.com says smokers pay 235 percent more than non-smokers for the same policy.
Age is also a key factor. Thirty-five-year olds can get the same coverage as 45-year olds for half the price.
You can also save money if you're a woman. Men pay an average of 38 percent more than women for the same exact life insurance.