Shop around to obtain quotes from many different life insurance companies. Prices vary wildly among competing life insurance companies, plus they all rate a little differently depending upon your weight, personal health history, family health history, financial need and dangerous hobbies. Each of those factors can play a part in the final premium offered.
The least-cost life insurance is known as term insurance. It covers death by any cause, in any place at any time, subject to a 2-year suicide exclusion (1 year in some states). Term life insurance contains no forced investment or savings accounts and is known to provide the cheapest death protection per dollar of premium spent. Initial rate guarantees are typically your choice of 10, 15, 20, 15, 30 years and now even lifetime.
Term life is typically purchased by family breadwinners to cover sudden household loss of income. Stay-at-home parents should also consider buying term life insurance because they, too, have a valuable economic benefit to the household.
Today, a health 40 year-old male can buy a $500,000, ten-year term life policy for just $220 per year. Term life rates have been dropping for the last 15 years and are now at all-time lows.
At lifequotes.com you can instantly compare the rates of 30 leading life insurance companies and have freedom to buy from the company of your choice.
There are many simple ways to save money on life insurance. Firstly, take care of your health and stop smoking as ill health will result in higher premiums. Term life insurance is a more economical insurance option with lower premiums for a fixed number of years as compared to whole life insurance. In case you find yourself in need of more coverage, don't run and buy a new policy. Look at an option of a rider, which works as an addition to your existing plan and does not risk your already built-up cash value. And finally, buy insurance when you are young and healthy as the older you get the more expensive the rates.
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