How to Get the Best Price on Life Insurance Possible
Life insurance coverage is more affordable than you think. If you make a some simple healthy choices, you can get access to the best rates life insurance providers have to offer. Here are just a few.
The first and most obvious way to get a more affordable life insurance policy is to quit smoking. After all, lung cancer is the leading cause of death in the United States. Consequentially, smokers have to pay about 150% more than non-smokers for life insurance. After about a year of non-smoking, you can expect to start seeing better rates.
Get in Shape.
To get a quote, companies often make prospective clients undergo a quick physical examination. The healthier the person is, the better the price they’ll get on a policy. So if you’d like to have a longer life and a cheaper policy, exercise for about an hour a day, and eat better. Soon enough, you’ll see the pounds falling off, your blood pressure coming down, and your glucose levels normalizing.
In addition to a person’s present health condition, insurance providers will also review a person’s medical history and their family’s medical history to find out if there are any issues they should know about. Many people who have such issues may be tempted to lie about them, but the providers are thorough. If something’s there, they’ll find out about it. That being said, it’s best to just be honest with them. That way, you can explain any situation.
Life insurance carriers offer the best rates to the most healthy people. If you quit smoking, get in shape, and are honest with the company, you can get access to the best life insurance policies they have.
If you have any questions about getting the best price on life insurance, feel free to ask in the comments. Links like this.