Cheap Life Insurance
If you want cheap life insurance then there are a few things you can do to help keep your costs down.
Review the information and then give me a call and we can run a quote. There is never any hard sell or high pressure when you work with me. I want to find the best rates for you and your family. My number is 512-963-5000 or fill out my contact form.
Before applying review your current health and make an honest assessment of your current status. Look back at least 5 years and consider any health issues that you may have had. Review the Health Class Rating chart at the end of this article.
The younger you are the less you will pay. So apply as soon as you can. The longer you wait the higher the cost. If you are a young adult you may want to consider a No Medical Exam Life insurance. It is easy to apply for and they will not require a full medical examination. Read More – No Medical Exam Life Insurance Information.
Height / Weight
Make sure you are Height and Weight are in line with standard builds. See below for a Build Chart.
Stop Tobacco Use
To get a Preferred rating most carriers will require 3 – 5 years of no tobacco use. Some of my carriers will offer Non Smoking rates if you have stopped for at least 12 months. Be aware that they will included Nicotine gum as a Tobacco product.
Carriers – Shop around!
If you are not using an independent agent who deals with at least 60 carriers you may be missing out on the best rates. If you are getting a quote from a single insurance company then it is mandatory that you shop around.
Make sure your agent is experienced in working with all areas of life insurance. If you happen to have a health impairment , high risk activity , etc. then you need to work with someone like me who has the experience to place these types of cases.
Take all of the above into consideration, review your needs, review your monthly budget and then shop around for the best rates. Use someone like me who works with multiple carriers, has an in house underwriter and who can handle your business over the phone. Depending on your age you may want to consider a No Medical Exam. At M2 Insurance we will work hard to find the best life insurance plan that fits your budget and meets your needs.