I may be repeating an answer here.

The cost is determined on factors that include not only Age, but include Health, Gender, Family Medical History, Hobbies you may have or Occupation to name a few. For example, it will cost a pilot more than it would someone who works in an office building all day.

The type of policy you apply for will also affect the premium payment. The factor here is whether you have a fixed premium or flexible premium and if you have a fixed rate of return vs. a variable rate of return.

Let’s not forget about the "riders" or added features you can add to a policy, such as a disability rider that continues to pay your premium if you become disabled. There are several features you can add to a policy, all of which could increase the premium you pay.

Point is there are several factors that go into determining the right policy and the price for an individual. The only way you will be able to determine that answer is to actually meet with a professional in person.
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Another piece to consider is what the insurance is for. If this insurance is to protect the family from the loss of a wage earner, then a 20 year term insurance policy would be a lot cheaper.

Whole life is a permanent policy for when you have a permanent need for life insurance. For example, if you had a special needs child, you could use a permanent policy to fund a trust for them. Of if you have a business and want to create liquidity in your estate, that can be another great reason for permanent life insurance (i.e. whole and universal).