When shopping for term life insurance there are many important considerations. Price is definitely one of the main concerns for many people. There are ways to save money on your term insurance premium. Here are some of them! (Read more)

1. lif enet insurance.com
http://www.lifenetinsurance.com/blog-0/bid/59647/5-Ways-to-Save-Money-on-Your-Term-Insurance-Premium
Posted by Lenny Robbins on Tue,Apr 05, 2011 @ 04:20 AM
5 Ways to Save Money on Your Term Insurance Premium
LifeNet Insurance Solutions Blog
When shopping f or term lif e insurance there are many important
considerations. Price is def initely one of the main concerns f or
many people. There are ways to save money on your term
insurance premium. Here are some of them!
1. Use an independent lif e insurance agent. An independent
agent has access to multiple insurers, to give you more
options. The agent should be aware of dif f erences between
the insurance companies regarding underwriting and f inancial
strength. This can be a big savings on your term insurance
premium.
2. Watch your weight. Every insurance company has rating
guidelines based on height and weight. If you are
overweight, your body works harder than a thinner person.
Build is a critical f actor in determining your term insurance
premium.
3. Get regular checkups. Some insurers will not of f er coverage to applicants over age 50 without regular
checkups. As we age, routine screenings such as colonoscopies, mammograms and prostate exams
may be a requirement. Past the age of 60 regular medical care becomes even more important.
4. Keep f it. Working out on a regular basis can help. Some insurance companies give credit f or regular
aerobic exercise to the 50+ crowd. It’s good f or your health and may help your term insurance premium.
5. If you are a smoker, stop smoking. We know how hard it is to stop smoking, but it will save you money
and make you healthier. A cigarette smoker term insurance premium can be more than double that of
nonsmokers. You have to stop smoking f or at least 12 months to see a dif f erence in your premium. If
you stop f or over 5 years, the rates may be even lower.
It’s obvious that health is a big f actor in the cost of lif e insurance. An agent can help by placing you with the
right insurer. Get your own term insurance premium quote today.