Beauty is in the Eye of the Beholder

I wonder how much is the life insurance rates nowadays. Does it vary by ages? They said that the younger you are the better and lower rates you can get and the older you are the highest rates you will get. Is that true? All I know is that when the insurance company knows that you have some kind of illnesses then less changes of you to qualify for life insurance. I think it makes sense to me. Who would want to insure you knowing that you only have a short period of time to live. Practically speaking, life insurance is really important because we don’t have to be in debts when our love ones die. I want to get life insurance for my children’s sake, for their financial stability. At least for their education funds you know.