The phrase "affordable life insurance rates" refers to the cost or premium associated with purchasing a life insurance policy. When an individual is looking for affordable life insurance, they are typically seeking coverage that fits their budget and provides financial protection for their loved ones in case of their untimely death. Life insurance companies offer various types of policies at different rates based on factors such as age, health status, occupation, and lifestyle habits. Therefore, when someone is searching for affordable life insurance rates, they are looking to find a policy that provides adequate coverage while also being financially feasible within their budget constraints.