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How to Get the Best Life Insurance Rates

The sad truth is that taking care of your family always requires planning. While no one wants to think about being unable to care for and provide for your loved ones, the unexpected can happen.

Or worse, people can suffer a costly and lingering illness only to leave their dependents in sorrow as well as incredible financial hardship.

Many avoid thinking about life insurance because it can be overwhelming. They are afraid they don’t have enough coverage and don’t know what to do about it.

Or worse, they think they have adequate coverage through a group plan only to leave a mess when they pass away.

Luckily, with expert advice, life insurance can be easy to navigate and buy. You can account or the unique circumstances in your family.

And, you can purchase peace of mind at a discount. With the right life insurance provider and some effort on your end, life insurance rates can be very reasonable.

You do not choose between inadequate coverage and astronomical rates. You don’t need to worry, we can help you get the best life insurance rates.

When you know how you can get major discounts and excellent coverage at the same time.

You can take great care of your family in any circumstances. We will show you how.

Ready to get the best life insurance rates? Let’s find out how:

Life Insurance Rates And Different Types Of Life Insurance

Doing your research can save you a bundle and save your family a major expense down the road. There are many different types of life insurance.

The type of insurance you purchase can affect your coverage as well as your rates. These four main types of insurances are:

  • Whole Life
  • Universal Life
  • Variable Life
  • Term Life

Term life has the most direct return. There is no variable component that is tied to the performance of the stock market.

The other three types are subject to variations in the stock market or money market account dividends. They can mix variable payments with uncertain payouts.

For families looking for investment potential, whole life, universal life, and variable life offer an upside. However, for certainty in planning for the care of your family, term life is the best option.

Life Insurance Rates and Shopping Early

Unfortunately, the unexpected can happen at any time. Waiting too long to consider life insurance can dramatically impact your rates.

It can also leave your family with major problems. While the vast majority of life insurance is held by people age 45 and older, there is no reason to wait that long.

Especially if you want great coverage and great life insurance rates.

Sadly, major illnesses like cancer can create major spikes in rates.

Becoming insured early can protect you from the unexpected. Plus, with the tremendous expenses associated with cancer treatment, having great life insurance rates to protect your family is key.

You could force them into insurmountable debt or bankruptcy without life insurance coverage.

Plus, the earlier you apply for life insurance, the more chance you have of being healthy. Being healthy counts a lot toward your life insurance rates.

But don’t run and sign up just yet. You’ll want to prepare your body first.

Get Ready For a Visit To The Doctor

Finding out you have a health issue while getting a physical exam for your life insurance policy is the wrong time. You want to be in great shape before you head to the doctor.

Your health can greatly affect your life insurance rates. For example, some policies want to see you smoke-free for 3 years before they will discount your rates.

And non-smokers aren’t the only ones who benefit when it comes to life insurance rates.

Take care of your health, and your rates will be lower.

Life Insurance Rates And High Cholesterol

High cholesterol can be a bad sign for low rates. Life insurance companies see high cholesterol as an indicator you may be at greater risk for a myriad of other health concerns. Aim for Lower Blood Pressure

The good news is there are ways to lower your cholesterol naturally.

If you have high cholesterol, we have some expert tips on how to get those numbers lower and get your life insurance rates lower as a result.

  1. Increase dietary fiber intake: You should aim for 25 to 35 grams of dietary fiber a day. Fiber binds with cholesterol to eliminate it from your body.
  2. Get smart about fat: Change your diet to eliminate trans and saturated fats and replace them with monosaturated and polyunsaturated fats.
  3. Focus on fish: Eat oily fish like sardine, salmon, tuna, mackerel, and herrings.
  4. Increase Phytosterol: Check the label for this healthy cholesterol aid. Grains, seed, and plants have plenty of this helper.

If you are seeing great changes to your cholesterol, you should be lowering your blood pressure as well.

Blood pressure is also a factor in life insurance rates.

Aim for Lower Blood Pressure

One of the best ways to lower your blood pressure is to monitor your cholesterol. In addition, experts have found many natural ways to lower your blood pressure.

Don’t think you have a problem? Don’t bet on it.

According to the American Heart Association, 1 in 5 people who have high blood pressure don’t even know it.

They have a number of easy ways to lower your blood pressure.

These include:

  • Know your numbers: Monitor your blood pressure regularly.
  • Watch nutrition: Eat a well-balanced, low-salt diet.
  • Be careful with drinking: Limit alcohol.
  • Stay active: Enjoy regular physical activity.
  • Watch your weight: Maintain a healthy weight.
  • Monitor medication: Take your medications properly.

These small changes can mean big savings for your life insurance rates.

Stop Smoking

One of the biggest factors in your life insurance will be whether or not you smoke. Stopping smoking will give you the best rates.

And you need to stay stopped. Great rates sometimes require years of not smoking before they will be impacted.

The Centers for Disease Control (CDC) has developed a number of tips to make it as easy as possible to quit smoking in 2017. These tips include:

  • Set a quit date: Mark it on your calendar and let your family and friends know your intention to quit.
  • Make a list: List the reasons you want to quit and what harmful effects smoking has. Don’t forget your life insurance!
  • Eliminate triggers: When are you most likely to smoke? Avoid these times and make new habits.
  • Get help: There are a number of free resources available for smokers who want to quit.
  • Try SmokeFree.gov where you will find technology support, apps, and information to make quitting easier.
  • Choose a medication: Your doctor can help prescribe a medication that will help with cravings and help your chances of staying stopped.

Getting your health in order will make a big difference in your rates. You also want to update your policy regularly once you get one.

Update Your Policy

Too many people secure life insurance and never update their strategy. As life goes by and your situation changes, you will want to make adjustments.

These adjustments can help you get a better rate and the best possible coverage.

Search For Group Plans

Even if your employer doesn’t offer a group plan, there are still many ways to get group discounts when shopping for great insurance rates.

If you are a member of a club or larger organization you may want to research group plans. But remember, you will likely want to augment this coverage with something more personal to your situation.

You should also shop around for the best value.

Compare Policies

Insurers are different, just as policy types are different. You want to find a trusted provider with a solid track record to care for the needs of you and your family.

You can’t trust something as important and beneficial as life insurance with anyone. You are looking for overall value and a great fit.

While it can be confusing to find the right provider, you can find trusted advice very easily.

Get The Best For You and Your Family

Did you know that more than 4 out of every 10 people do not own a life insurance policy in any amount? Across the board, only 3 in 10 Americans feel they have sufficient coverage.

Of those who are insured, many are underinsured. They have just enough coverage to handle final expenses.

Many who are insured are covered through group plans. Unfortunately, these plans do not account for the specific circumstances each family needs.

Since 1/3 of Americans feel the loss of the primary earner in the household would be felt within a month, accounting for this difference should be a major concern in all life insurance policies.

We know it can be overwhelming. Real Life Alliance can help.

We provide excellent customer service and can provide life insurance quotes specific to the needs of you and your family. Don’t leave your family with unpayable bills and a major economic hardship.

There is no need when you can get the best from your life insurance.

Contact Real Life Alliance now for our expert advice and a quote designed for your personal life insurance needs.

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10 Responses to How to Get the Best Life Insurance Rates

  1. Terry

    Looks like the red flags I’m going to have to look out for to make the most out of my insurance are low blood pressure and high cholesterol. I think the saying “health is wealth” still holds true in this case, regardless.

  2. Miaka Yuuki

    I never heard a health insurance that are on fragments. I would rather go for the total package and pay one time.

  3. Mico Robin

    In this scenario, paying whole sale is far better than “ITEMIZE insurance. Sure you pay more but in the long run it counts.

  4. Aimiee

    Thank you for these greatful tips! I bookmarked this page as I read the headline because getting a life insurance is one of the important things in life! 🙂

  5. Amanda

    Thanks for the info. Its quite clear for me. At least it makes me think to have 1 personally.

  6. Therese Baguio

    It is really important to start a healthy lifestyle and diet, especially when you are considering to get a life insurance. It is tough to find a trusted life insurance company these days because of tempting incredible offers but with added/hidden charges.

  7. Mau

    Very useful information. I think your points on how to lower cholesterol, blood pressure, etc. are something that should be done by everybody, not just those aiming for low life insurance rates.

  8. Rebi

    Thanks for this very informative article. Not only for the sake of getting low insurance rates but also for anybody’s future ahead.

  9. Mincy

    I didnt know that you can have discounts while getting insurances. You can even maintain yourself and be disciplined.

  10. Tim

    Guess I should put down the smokes and join a gym before I even think about getting some quotes. I’m sure this will save me a ton of money lol.

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