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Congratulations! You’ve made the decision to get more information about life insurance. Of course, pricing will likely be a significant factor when making your final decision. Here are six simple steps you can take in assuring you will get great value.
Your health is one of the major factors that will impact your life insurance premiums, this includes medical conditions like diabetes and height and weight. Severe enough health issues may prevent you from qualifying for life insurance at all. That’s why buying life insurance when you are reasonably healthy can end up saving you significantly over the long run.
Another important factor in buying life insurance at the best rates is to purchase it when you are young. Life insurance can get more expensive, based on your age, as each year passes. Odds are it may never be less expensive for you than it is right now.
If your goal is $500,000 worth of life insurance but don’t feel you can quite afford it, buy $100,000 or $200,000. This way you will get the best rates based on your age and health on at least a portion of your desired total, and can add to that total later.
Some companies provide discounts when premiums are paid either annually or through an automatic payment plan. Ask one of our independent insurance agents to see if you may qualify.
Life insurance is available in two categories, whole life and term insurance. Term insurance is generally less expensive on a cost-per-thousand basis. If price is your most pressing concern, get quotes on term life insurance..
One of the best ways to save on life insurance is to compare rates. One of the best ways to compare is to get the help of an independent insurance agent. Rather than just representing the products of a single, specific company, independent insurance agents can work on your behalf comparing rates from multiple companies. This helps assure the best value.
We invite you to contact one of our independent insurance agents to get started building your life insurance plan today. Let us help you get the most from your life insurance budget.