"...Fully underwritten life policies ask you so many questions, you would think they are writing a book on you. But that book can benefit you in the long run by giving you a “preferred” rate..." read more below >>

Find Your Best Life Insurance at a Price You Can Afford

Use our convenient service to find the best life insurance for yourself and your family. The process is quick, easy, and will help you locate an affordable policy. Choose the type of life insurance you are most interested in, and the online system will guide you through the entire process, leading you to top companies that will give you personalize quotes and competitive rates.
Begin By Choosing 1 of the 2 Free Quote Options Below:

Quote Option 1: Standard Quote – Whole Life, Term, Universal, Variable, Second to Die Life.

Fill out only 1 form and get up to 5 comparison quotes.

Option 2: Run an Online, Instant Term Quote

Take the driver’s seat and control your life insurance premiums.

Whether you feel your life insurance premiums are dirt cheap, or too high for comfort, there are choices you can make that will give you the lowest premiums the industry has to offer.

Life Style
Life policies that are fully underwritten ask you so many questions, you would think they were writing a book on you. But that book can benefit you in some cases by giving you a “preferred” rate. Preferred simply means that you are in good health, are active, and have moral practices that are likely to give you a long life. In return, your rate can be substantially lower. The following suggestions will help you get a lower rate—providing you are already engaged in them BEFORE asking for insurance.

• Quit smoking. This is a big one. Some applications ask if you have used any tobacco product for the past 12 months. Non-smokers, especially men, will often find rates as much as 50% lower than that offered to a smoker.
  
  
• Lose weight. All companies have a chart that shows the maximum allowable weight for preferred, standard, and substandard rates. Rates for women may be as much as 30% lower in the preferred category. You can give the agent any number you want, but agents see enough people to be able to guess your weight much more accurately than you can imagine. Furthermore, if the company requires a doctor’s report, it will go by the report, not by the weight you admit.
  
  
• Engage in healthy activities and hobbies. Whether it’s volunteering in civic groups or just walking every day, you want to be able to show that you are staying active, engaging both mind and body. Couch potatoes are high risk.

Choose your policy

The type of policy you choose will determine your actual premium. The following list will help you decide which is best for you.

Term Insurance: You are insured for a high face amount for a limited time period. Because this had no cash value, it is also the cheapest.

Universal Life: Slightly more expensive than Term, but still a bargain. The policy has a cash accumulation which you can draw on without borrowing. You can also adjust both your premium and your face value. It does not expire, but you may have to increase your premium at some point.

Whole Life: If you want security, this is for you. It is usually the most expensive, but both the premium and the face value are level for life. It builds cash value that you can borrow against or cash in if you no longer need the insurance.

Variable Life: If you like investing in the stock market and can afford some risk, you may be able to find a variable life. It is similar to a universal, but you can invest the savings portion yourself. When available, Variable life is about the same price as a universal.

Joint policies: Joint policies are polices that insure two or more people with one premium, and may be set up as either first to die, or second to die. They are available as either term or whole life, and are less expensive than insuring two people on separate policies.

Begin now by requesting your free ins quote.

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