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Americans aren't crazy about paying for insurance, be it auto, life, business or homeowner's insurance.

After all, who wants to pay for something you may never need?

The data bear that out and also point to increased dissatisfaction over the price of life insurance.

According to Life Happens, an insurance industry advocacy group, a "majority" of Americans believe life insurance is "too expensive," and 64% have not purchased life insurance because of what they believe to be higher prices.

Life Happens points to a $13-per-month average life insurance payment for a healthy 30-year-old male, which is significantly less than the monthly $44 Americans "waste" on "unwanted snacks and meals."

Life insurance is also cheaper than the $30 per-month U.S. spend on "unused" gym memberships, Life Happens reports. Other common household items can get in the way of a life insurance policy purchase, the organization says.

"That new 55" LED TV that costs $800 could be used to cover about five years of term life premiums," Life Happens says in an email to TheStreet. "Also, underspend on your next car purchase by $3,000 and over a six-year loan period with 0% APR, you will save $500 per year, or $40 a month. And, depending on which version you get, an iPad costs around $550 with tax, almost three and a half years of premium payments."

Of course, Life Happens is in the business of promoting life insurance, and wants you to buy a policy.

But what do others say about the price of life insurance, or health, homeowner's or auto insurance, for that matter?

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Mostly, they agree insurance rates are relatively low.

"The individual life insurance market is extremely friendly to the consumer right now, and consumers are definitely not paying too much," says Anthony Martin, an insurance professional at Citrus Heights, Ca.-based Choice Mutual.

Life insurance rates are at an all time low due to the increasing life span of the average person, Martin explains. "Furthermore, with thousands of life insurance companies competing in the free market, the consumers reap the benefits with regard to cost due to this competition," he says. "Another important thing to remember is the combination of medical technology advancements that makes you healthier and live longer, is causing life insurance rates to drop."

There are good deals out there on health insurance, too, experts say - but only if you do it right.

"Price is in the eye of the beholder, but Medicare and Medicare supplement plans and Medicare Advantage plans are the best health insurance plans in the world right now," says Christopher Grimmond, president of Omaha Insurance Solutions, in Omaha, Neb.

Grimmond says the effect of the Affordable Care Act was to drive health insurance premiums and deductibles through the roof. "The employer mandates from the ACA have pushed up the costs of group plans," he says. "Now Medicare coupled with a supplement or Medicare Advantage plans beat most group health plans hands down for individuals who are 65 and older."

"I have many clients who drop their employer group health plan even though they continue to work because the insurance cost is that much less with Medicare and a supplement and the health coverage is that much better," he adds.

On the other side of the personal insurance coin, experts contacted by TheStreet say that long-term care insurance is expensive now, and will grow much more cost prohibitive down the road.

"Long-term care insurance is not a viable product," says Laurie Samay, a certified financial planner with Palisades Hudson Financial Group in Scarsdale. "With increasing life expectancies and an aging population, the need for long-term care is becoming more and more likely, though not certain. Over time, insurers will need to regularly raise premiums to cover the cost of claims and remain profitable. In doing so, premiums will ultimately converge with the actual cost of care. It's just a matter of time."

"After years of coverage, long-term premium payments may exceed the actual cost of care," Samay adds. "And of course, there are people who will never need long-term care in the first place."

Even as Americans vent over what they see as the high price of insurance, not all personal insurance policies are alike. Some are even cheaper than expected, until that is, you step into the health care and long-term insurance care markets.