How to Lower Life Insurance Costs

There are several things that people can do to significantly lower life insurance premiums:

  • Quit smoking, if you are a smoker. Tobacco use reduces life expectancy, and is taken into account by life insurance companies.
  • Live a healthy lifestyle that that includes regular exercise, and also excludes very high risk activities. This primarily determines whether or not you qualify for the Standard of Preferred rates.
  • Consolidate multiple, small life insurance policies. Having one major policy is cheaper than many small ones.
  • First-to-die permanent policies insure couples, and pays a cash benefit regardless of who is the first to pass away. This is cheaper than having one policy per spouse.
  • Purchase your life insurance while you are healthy. Generally speaking the younger you are when you puchase, the cheaper the premiums will be.
  • Compare, compare, compare!
  • Contact us! Let the professional insurance brokers at help you to get the cheapest, best coverage that suits your particular needs.

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