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Alabama Life Insurance -- Tips For Paying Less

Apr 17, 2008
Alabama life insurance: Everyone can enjoy high value coverage without breaking the bank. You just need the right information and the resolve to practice what you'll be taught to get a more affordable rate. Let us get into the steps you need to attract more affordable rates...

1. Smokers attract life insurance rates that are twice or more that of non-smokers. It is a sure fact that smokers are liable to many health conditions and that they don't live long.

If smoking results to specific health conditions, then it makes an individual a high life insurance risk and that attracts higher rates. Once you quit smoking for up to 12 months tell your current insurer or reapply to some other insurer and you'll see a considerable drop in your life insurance premium.

2. It is now commonly known that smoking will attract higher rates. What some might not understand is that the same also applies if you use any other form of tobacco product. Chewing or snuffing tobacco, for instance will cost you in higher life insurance rate.

So, if you want cheaper rates, stay away from tobacco use in any form.

3. If you need a discount, get your life insurance policy from the same insurer you bought existing policies from. It's called a multi-policy discount.

4. People with excess weight get a lot more in life insurance rates than individuals with normal weights. Your BMI or Body Mass Index is a very useful factor in calculating your risk to an insurer.

A high Body Mass Index will always get a high life insurance rate all other things being equal. If your Body Mass Index rating is high it simply means that your weight is too much for your height. Put more effort into shedding excess weight as dropping just a few pounds could put you in another BMI rating which means cheaper premiums.

5. Extreme sports attract higher life insurance rates. If you really want to reduce your life insurance rate then switch to safer sports.

6. You might be missing some discounts you qualify for with your preferred insurer just because you don't know. Since agents too are human they might forget to tell you about some discounts you should take advantage of.

To ensure you're NOT losing money, ask your agent to list out every discount that your preferred insurance carrier offers. You might be surprised at discounts you have not benefited from.

7. You could save some hundreds or even a few thousand dollars by simply obtaining and comparing quotes from not less than five quotes sites. Doing this should take you not more than 25 minutes.
About the Author
Are you looking for resources that will help you save considerably on health insurance? Then you have to visit the following page: Alabama Free Insurance Life Quote s. Chimezirim Odimba has found over 120 tips that will make policy holders pay much less for superior coverage.
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