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When it comes to life insurance quotes, you can expect to pay a higher monthly premium if you need a large life insurance amount. This means that those who are single can get a very small policy, to pay their final expenses only, and pay a very small monthly premium in return.
On the other hand, those who have a family to care for will need a larger life insurance policy, not only to pay for their final expenses but, to help keep their family afloat financially while they figure out how to cut expenses or bring in additional income. The more people you have who currently depend on you, the higher your life insurance premium will likely be.