lower premiums for young people

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good health term discounts

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affordable whole life options

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consumer loyalty insurance

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cheapest life coverage

The Importance For Your Family

When you have people – parents, children, spouses or partners – relying on you for support, one of the best gifts you can ever give them is the gift of a secure future. Buying and maintaining a quality term or whole policy is an important and affordable way to protect your loved ones in the event of your death.

There are pros and cons to each type of coverage, and other options to consider before you buy, so make sure to read all about your choices in order to learn which one best suits your needs. When in doubt, speak with one of our specialists for even more information!

COMPARE RATES

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Tip #1: Buy Coverage While
You're Young

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Affordable Options
Term       Variable       Universal       Whole

No matter what sort of policy you seek, we can help you find the best rates for coverage. We are happy to work with people of all ages, regardless of their health, weight, or smoking history, and we pride ourselves in providing support and information on your choices from start to finish.

Saving Money on Your Premiums

While term life is known as cheaper insurance, it is always nice to find ways to make it even more affordable.  After all, even a few hundred dollars a year can make a big difference over the course of a lifetime (or the duration of a policy)!  There are numerous ways to cut costs and make your premiums more affordable.

  • Tip #1:  Buy Young
  • Tip #2:  Stay Healthy
  • Tip #3:  Think Long-Term
  • Tip #4:  Be Loyal

Tip #1:  Buy Coverage While You're Young

The younger you are, the less you should have to pay for coverage.  This directly correlates to your chances of dying while the policy is in effect; younger men and woman are associated with fewer health concerns and thus, longer life expectancies.  Of course, you cannot change your age, but you can do yourself a favor and invest in a policy while you are young enough to quality for great rates.  Make sure to buy a renewable one, too, so that you are able to buy the same coverage when your term expires without undergoing a medical exam.  This is a great way to get discounted rates!

Tip #2:  Stay Healthy!

Sometimes this is easier said than done, but if you are presently in good health, make sure you stay that way by eating well and exercising, and by rapidly addressing any medical issues that come up.  Keep your weight in the healthy range with a responsible diet rich in fruits, vegetables, and whole grains, and do not let yourself become a couch potato.  Maintaining good habits like going for a walk after dinner, jogging in the morning before work, or stopping by the gym a few times a week can help your stress level and your overall health, which will result in lower term life premiums. 

If you are currently overweight or partaking in unhealthy habits like smoking, start working now to change those things.  You may start out with a higher cost policy, but once you get your weight under control or go several years as a non-smoker, you will be eligible for better rates.  Even more importantly, you will feel better and increase your life expectancy so that you can be around to enjoy the ones you love!

Tip #3:  Consider Long-Term Needs

If you can afford to purchase affordable whole life, you will be saving up money every time you pay your premiums.  Though you will be paying more than term customers, you will also have the opportunity to take money out of your policy for retirement and other expenses as you age.  The money spent on insurance coverage is not wasted, but instead returned to you or your survivors over time.
With a term policy, too, you should think about how long you will need to maintain coverage to protect your survivors.  Renewable options are available, so make sure you invest in one of those if you will need to extend the duration.  This will allow you to purchase anew without increasing your premiums as much as if you took out all new benefits at the end of your first term.

Tip #4: Be a Loyal Consumer

If you already have a policy on your car or home, consider purchasing life coverage from the same company.  Insurers value customer loyalty and typically reward repeat customers with discounts.  While savings are not guaranteed (and not all companies deal in a variety of policies), it is worth investigating before you buy. 
The best thing you can do, though, is to shop around.  Different companies price out their policies at different rates, and if you have special needs (like smoker's accommodations) you may find greater savings working with a specialist.  Get multiple quotes and compare rates to find the most affordable premiums!