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Life insurance quotes can vary from person to person and agency to agency. There are some basic factors that can determine the costs such as age, gender, and whether you are a smoker or non smoker. Some other factors also include the condition that you may be in such as a terminal illness or if you work in a high risk occupation. You can also choose from temporary life insurance to permanent life insurance. You can search through life insurance quotes and agencies through online websites such as Google or by searching for agencies through phone books. Many websites will offer you a quote from a variety of agencies.