State‑by‑State Term Life Rates in 2024: Where Your Premiums Diverge and How to Cut Costs
Opening hook: A 35-year-old non-smoker can pay anywhere from $440 to $1,050 for the same $500,000, 20-year term life policy in 2024 - a spread that equals more than a full year’s salary for many households.1 Those numbers aren’t random; they map directly to the