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Making the decision to purchase life insurance is an important one regardless of age. For most people they tend to think about life insurance after or during a major life change including marriage or the birth of a baby. There are many things to take into consideration when you are calculating how much life insurance you should invest in

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Compare the prices and features of the lowest-cost insurance policies from the nation's safest companies. By simply completing our health questionnaire, the companies will scan comprehensive database and match your current health and risk condition to the most cost effective plans on the market. Click on the link below to receive your personalized quote.

Factors That Influence Your Life Insurance Rates
When it’s time to think about life insurance there are several things you’ll want to consider before doing so. There are factors that you directly control that can reduce the amount of your life insurance premiums.

Some of these factors include:

Whether you smoke? Smokers pay a higher premium for life insurance. Most life insurance companies will tell you that if a person is a smoker they should stop smoking a year before they apply for life insurance. For a young couple thinking of having a child this is a perfect time to stop smoking. It will not only benefit the health of their new baby it also has a direct impact on their life insurance premium rates. If you already have life insurance and want to lower your premiums stop smoking for at least a year and then contact your insurance agent to notify them.

Your weight People who are obese pay a higher premium for life insurance. There are many health problems that are associated with being overweight. It’s also been proven that people who are morbidly obese have a shorter life span than those who are fit. It’s important to lose weight for many reasons, most importantly for your health. Therefore it’s advised that you speak with your personal physician about a healthy weight loss plan or other weight loss alternatives that are right for you. If you are already insured and have lost a significant amount of weight you should contact your insurance company. They most likely will request that you have a medical exam to confirm the change in your health before they will even consider adjusting your rates.

Your job Some jobs are considered to be high risk and as such those individuals will pay a higher premium than someone who is working in a low risk profession. If your life situation changes and you are married or become a parent you may consider switching professions because of the added responsibility of having a family.

There are factors which you can’t control which also may influence your life insurance premium rates:

Your age If you purchase life insurance when you are young you will pay lower rates than if you purchase a whole life policy when you are older. Therefore it’s a good idea to consider life insurance once you have finished college and have begun your first full-time job.

Inherited illnesses There are many illnesses which are passed from one generation to the next. When you have your medical exam the doctor will ask you to reveal any predisposed medical conditions. You must reveal these because if you don’t and it is discovered that you had knowledge before and didn’t offer this information, your policy may be deemed null and void.

If you want to have some control of your life insurance premiums consider changing the things that you can so you can reduce the costs.

Top 10 Life Insurance Purchasing Tips

Don’t wait till you REALLY NEED the coverage! By that time you’ll be that much older, you’ll be sick or you will have encountered a health issue that will cause your premiums to be significantly more than you anticipated. That is of course if you can even qualify for the coverage!
The highest financial rating doesn’t necessarily mean better coverage. The important thing is to at least be looking at an “A” rated company. There is little, if any difference between one company's term policy and another, so basing a decision solely on ratings won’t always get you best deal. The highest rated companies tend to be more conservative in their underwriting and attaining the “best available” with them will be a bit more difficult.
Shop online first before you meet individually with an agent! Many online life insurance brokerage companies can be a useful source of information and can save you up to 75% on your premiums. The reason is of course because they are impartial and are not driven to sell you only one company’s product.
Pay annually if you can afford it. Paying annually can save you up to 20% with some companies versus monthly, quarterly or semi-annually.
Don’t smoke. If you are trying to save money then being a smoker won’t help your cause. However, if you do smoke, most companies will let you re-apply for nonsmoker rates if it has been at least 1 full year from your last usage.
If you have cholesterol or blood pressure issues get it controlled with medication. Insurance companies don’t like to see health issues go unattended. If you are doing something to control it they will likely look at that favorably and give you the benefit of the doubt when it comes to approval time.
If you are considering buying $90,000 of coverage, buy $100,000 instead. Many times it will cost less, the same or just a tad more for additional coverage. Insurance companies may give breakpoints at $100,000, $250,000, $500,000, $750,000 and $1,000,000.
Read the “Prepare for the Medical Exam” section before completing your exam. Eating a few Twinkies or calling your stockbroker a half hour before your exam will surely turn your lab results sour and cost you big time!
Obtaining coverage through your company’s plan may be a good alternative…in the short-run. Many employer’s plans however are not portable and won’t let you continue your coverage if you leave. If you need coverage then, you’ll have to apply for an individual policy anyway. Don’t leave it to your employer to take care of you!
If you’re 30 ½ years old, you’re as old as 31 in the eyes of the insurance company. Most insurance companies round up when determining your age and because premiums increase with age that can make a big difference. So, if you’re approaching 30 ½ and you have thoughts of applying, don’t wait!