Cheap Term Life Insurance
Cheap Life Insurance
If you want cheap term life insurance quotes then there are a few things you can do to help keep your costs down. Take 3 minutes to read through my article and learn the steps you can take to help keep your costs down.
Term Life Insurance rates can be low, for those that are healthy. We can run a quote or, after reading about low cost life insurance.
Before getting a life insurance quote, you need to review your current and past health and make an honest assessment of your status. Look back at least 5 -10years and consider any health issues that you may have had. Review our 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 Life Insurance Quote 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 No Tobacco use means any tobacco products such as: Chew, Nicotine gum, Pipe or Cigar Tobacco.
Do you happen to smoke Marijuana?
For the occasional user, 3-4 times a month, it is possible that you can still get a preferred/standard rate and be listed as a Non Tobacco user! This will require that you contact me so we can review your usage. If it is not disclosed and they find Marijuana in your test results you will they , depending on the amount, decline you are rate you up as a Smoker. Getting a Smoker rating is expensive. Learn more about Life Insurance for Marijuana Smokers.
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.