How To Lower Your Life Insurance Rates

By Author: Paul Andrews
Total Articles: 11
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The price you pay for life insurance depends on your age, your health, and your lifestyle. So if you are older, you have health problems, and you smoke, you will always pay more for life insurance than someone who is younger, healthier, and a nonsmoker.

That being said, there are many ways to lower your life insurance premiums, even if you fall into a higher-risk category. Following are some simple tips for lowering your life insurance costs:

1. Quit smoking

This one is definitely a hard one. Not only that you'll have to quit smoking but you will also have to start exercising otherwise you will gain weight because of the changes in the metabolism caused by the Nicotin.

But this will definitely lower your life insurance premium.
Some insurance companies charge double the price from heavy smokers.

2. Lose weight

This is my favorite tip, everyone hates it. It needs more than words to implement this tip, but remember that the insurance company will charge you less if you lose weight and besides, you'll be amazed to know how many men you can get if you look better.

3. Buy sooner ...
... rather than later

As they say, the sooner the better.

Life insurance is most affordable at the lowest age range. The higher the odds that someone will die in a little while, the higher such a person's life insurance premium.

The older a person gets, the more the probability he will die soon.

For instance the policy will be quite expensive for a 60-year-old man than that for a 30-year-old man.

4. Do not tell more than you have to

I will deny I said that, but do not give out information that you should have kept to yourself.
Dont' tell the insurer things that will let them think your life could be dangerous.
For example, If you are sleeping with your wife's best friend.

5. Be healthy
You should get your cholesterol and blood pressure levels down to a normal level before you take a physical for an insurance company. By doing this, you are putting yourself in the insurance companies 'healthy' bracket. This means lower rates for you.

If you are looking for online quotes for life insurance then just go online.
Forget about the insurance agents, we don't need them anymore, we can do that online for free.