As an agent in the Denver area, I can give free quotes to anyone interested. Prices for any plan will be the same from any broker/agent. It will depend on what your individual needs are. If you purchase a 10 year term policy, with a face value of $1,000,000, at 30 years old, and in perfect health, your premium is fairly inexpensive. The problem with that term coverage, is that people expect to pay the same premium 10, 20, or 30 years later for the same $1,000,000 worth of coverage. That unfortunately, is not the case. Universal policies may be a better choice if you think that later in life, you will still want, or need the coverage.