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Sunday, March 10, 2013

Getting the Best Rates on Life Insurance

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When you get an insurance quote, there are a lot of things going into that rate. For car insurance, your rate is determined by your driving history, what type of car you drive, among other things. The way that your life insurance rate is determined is no different.
Lots of factors go into determining your life insurance rate, and some of those are factors that you can control. While of course some factors are out of your control, others are completely in your control. You should always compare life insurance rates from before making your final decision, but also check out these ways you can find the best rates by making changes in your life.
Quit Smoking
If you are smoker, you will be paying very premiums for life insurance coverage. The  best life insurance rates are available for non-smokers, so quitting smoking will greatly improve the chance that you can get a good rate.
In fact, this doesn’t just go for smoking. Users of any tobacco products will likely pay more for premiums than non-tobacco users. Give up the cigarettes, chewing tobacco, and other tobacco products in order to find the best life insurance rates.
Lose Some Weight
As we become older, it becomes easier to tack on a few extra pounds. A couple extra pounds here and there is no problem, but once those few pounds turn multiply, then there is room for concern. Even if you’re just a little bit overweight, you might not qualify for great rates.
Before you start to search for a life insurance policy, hit the gym and lose some pounds. Making very simple changes with your health habits could result in big weight loss, which will get you dramatically better rates on your life insurance policy. Lose some weight, and save some money with your rates, and life a healthier life overall.
Drink Less
The best life insurance rates are given to healthy people, and if you drink a lot of alcohol you might not be eligible for those great rates. There’s nothing wrong with a glass of wine at dinner or a beer when you get home, as long as you keep it in moderation.
People who drink more than two alcoholic beverages per day may not be eligible for the best life insurance rates. Cut down on your alcohol intake (or cut it altogether) and you’ll likely be able to get better life insurance rates.
Notice a Trend?
Reading through these tips, do you notice any sort of trend? In order to get better life insurance rates, you need to life a healthier life. It’s that simple. Lower your blood pressure by taking walks every night, and try and eat more “rabbit food” in  your diet.
Being healthy is key to getting the best life insurance rates. Life insurance providers see healthy people as the most desirable customer, and will reward them with the best life insurance rates. Make some serious health changes in your life, and you’ll see that you feel better and get better life insurance rates.
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