When you run your instant term life insurance quote, you'll see a list or rates down the right side. As life insurance agents, we take for granted how they got there and what ultimately determines them. Maybe, we're jaded that way but we know they're the best rate on the market (just look at our best life insurance rate guarantee) for some of the strongest carriers on the market so we're pretty content. Being new to the life insurance market, you may wonder how those rates are determined. Let's look at what drives life insurance rates and how to get the best ones.