How To Get The Best Rates On Life Insurance
Life Insurance—Lower Rates Linked To Your Health
Many people don't realize how affordable life insurance really is. With a little planning and preparation though, you can often qualify for even more competitive rates. Here are the top tips for obtaining the best life insurance rates possible.
Stop Smoking. If you smoke or use other tobacco products then make it a top priority to stop. Not only will it improve your health but your insurance costs will likely be reduced, including health insurance rates.
Get Fit. Life insurance quotes often require a quick physical examination and routinely take your current health into consideration. Prolong your life and reduce your life insurance rates by shedding excess weight and eating right. Studies have shown even small changes can make a big difference when it comes to reducing your blood pressure and glucose levels and normalizing your weight.
Disclose. Honesty is the best policy especially when it comes to obtaining life insurance quotes. The insurance company will conduct a full review of your medical and lifestyle records so do not leave room for surprises. Disclosure allows you the opportunity to explain health conditions or other situations.
Schedule Early. Research indicates that early morning physical examinations typically demonstrate lower blood pressure and better cholesterol levels. It only makes sense: scheduling a physical after a large business lunch or stressful meeting doesn't accurately reflect your health status. If possible, schedule your physical when you are rested and relaxed.
Review. Keep an eye on rates. It is tempting to purchase life insurance and then forget about it but make it a habit to review rates every 3 to 5 years as well as update your policy to reflect changes in your personal situation or status.
The above-listed tips are for informational use only. Refer to your insurance policy contract for specific information regarding your coverages and for actual terms, conditions and exclusions. The above statements are general in nature and may or may not reflect the actual terms of your insurance policy.