Term Life Insurance Quotes – For Dirt Cheap Rates, Do These Tips
June 7th 2010 Posted at cheap term life insurance quote
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Do you want dirt cheap term life insurance quotes? Then you’ll do well to read and apply the following tips as they’ll ensure cheaper rates.
Term life policies give you the most bang for your bucks. That’s a fact. However, most people still leave money on the table because they are ignorant of a few facts…
1. You can actually save more by buying more coverage if you know how. Your premium is calculated at a given rate per $1000 of coverage. However, a different rate is applied for different ranges of coverage. For example, for coverage amounts between $1000 and $249K the rate applicable might be $1.24 per $1000. For coverage amounts between $250k and $500k, it might be $1.15.
This means that if you buy coverage worth $249K you’ll pay…
249 X $1.24 or $308.76
However, if you buy $250K worth of coverage, you’ll pay…
250 X $1.15 or $287.50
2. Buy young. The older you get the more expensive your rate will become.
3. Avoid dangerous sports and activities that expose you to hazards.
4. Quit smoking for up to 13 months and then re-apply so you can get a non-smoker rate.
5. Shed your weight. Apart from the other benefits, it might reduce your rate by up to 50% depending how overweight you are and how much you lose.
6. If you can, don’t do jobs that are classified high risk. They’ll do your rates NO good.
7. Get and compare quotes from a wide range of insurers. It’s quick, free, easy and has NO obligation attached but could help you save thousands over the course of a few years.
Just make sure you get your quotes from A rated companies or their affiliates.
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