Your lifestyle will always have an effect on your insurance premiums. The statistics show that a single person is a higher risk, whether for health, auto, home, or life insurance, than a married person is otherwise identical. Additionally, single people tend to participate in higher risk activities than married people, and those activities can be a serious concern for life insurance companies who are gambling that you will lead a calm and responsible lifestyle.
Another factor that is used by life insurance companies to determine your premiums is called "moral turpitude." This is a fancy way of saying that how you live your life affects what your life insurance premiums will be. In essence, the likelihood of a single person drinking excessively or using drugs or participating in other potentially life-threatening behavior is higher for a single person than for a married person. This is because statistics have shown that married people lead lifestyles which are less risky, preferring to give up some of the excitement of the single life in exchange for the more conservative family lifestyle.
Single people, especially men, are more likely to participate in risky activities such as mountain climbing, skydiving, or bungee jumping. Similarly, more single men are killed in automobile accidents because they have risky driving habits such as speeding, refusing to wear seatbelts, and drinking while intoxicated. Whether or not you are single, these behaviors are going to cost you more when you purchase a life insurance policy, but the costs are even higher if you are unmarried.
You can get cheap life insurance by finding discounts that you qualify for. If you are a non-smoker, make sure your insurer knows it. Join a gym or partake in other healthy endeavors. Give up eating fast, fried food on a daily basis, and skip the sunny-side-up eggs at your morning breakfast. The more you can show the insurance company that you are concerned about your own longevity, the lower your premiums can be. Similarly, purchase the policy as early in life as you can, because the cost of life insurance goes up as you age.