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Simple Ways to Lower Life Insurance Rates


Chicago ( – According to an article recently published on, there are a number of different ways you can lower your life insurance cost. But first and foremost it is important to understand that comparing a wide array of life insurance quotes from a number of life insurance agents by going online is the first step in securing low life insurance cost.

The article states, “While it consists of a few elements, life insurance cost depends on three main factors: your age, health and habits. Needless to say, if you’re a 55-year-old smoker who enjoys participating in the Running of the Bulls every year, chances are you will be paying a high premium on life insurance.”

Not many people know that simply not smoking is a great way to lower your life insurance cost by as much as 50 percent. The reason is many insurance providers deem you a bigger risk if you’re a smoker so they will charge you a higher premium. Remember to let your agent know if you are a non smoker so you can secure the best rate possible.

The article also lists not overbuying life insurance, choosing to pay your bill annually as opposed to monthly, and considering term life insurance instead of whole as other viable options in lowering your life insurance cost. The article states, “According to the Society of Actuaries, a premium for whole life insurance can cost you up to 10 times more than term insurance. Consult with your agent to determine if term life insurance is a better option for you.”

Now that you know the route to take in securing low life insurance cost, your next step is a big one. Go online to today and speak with a life insurance agent about life insurance and how to lock down the most reasonable life insurance cost on the market.

Staff contribution: Kyle Fitzsimmons


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