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Ways to Save on Life Insurance
Don’t smoke – most smokers spend 35% to 55% more on their life insurance than non-smokers.
Purchase insurance at a younger age. The mortality cost for a life insurance policy increase with age and so does the premium. It’s a good idea to lock into a level premium while you are still young.
Keep fit and trim – keeping the weight off reduces the risk of heart disease and other health complications. Insurance companies know this and rate accordingly.
Maintain good credit. Statistically, insureds with good credit file fewer claims and the insurance companies will discount their policies for being financially responsible.
Drink responsibly and never drink alcohol and drive. An insured with a DWI may pay two to three times the rate for life insurance. Life insurance companies are concerned with the possibility of accidental death.
Avoid hazardous activities or extreme sports – for example, race car driving or sky diving increases the chance of accidental death and the insurance company may charge more.
Research many quality insurance companies – rates between carriers may vary widely based on the situation. It’s a good idea to contact an independent broker who can give you quotes from several companies.