Term Life Insurance Quotes - For cheap rates, making these suggestions Dirt

Do you want dirt cheap long-term life insurance quotes? So you might want to read and apply the following suggestions as will ensure cheaper rates.

Term life insurance will give you the most bang for your bucks. This is a fact. However, many people still leave money on the table because they are ignorant of some facts ...

1. You can actually save more by purchasing more coverage if you know how. The premium is calculated at a given rate of $ 1000 of coverage. However, a different rate is applied for different ranges of coverage. For example, for coverage amounts between $ 1000 and $ 249K the applicable rate would be $ 1.24 per $ 1000. For coverage amounts between $ 250K and $ 500k, would be $ 1.15.

This means that if you buy coverage worth $ 249K you pay ...

249 X $ 1.24 or $ 308.76

However, if you buy $ 250K worth of coverage, you pay ...

250 X $ 1.15 or $ 287.50

2. Buy young. The older you become more expensive rate.

3. Avoid dangerous sports and activities that expose you to risks.

4. Stop smoking for a maximum of 13 months and then re-apply in order to obtain a non-smoker rate.

5. Shed your weight. In addition to other benefits, could reduce the rate up to 50% depending on how you are overweight and how much is lost.

6. If you can not do jobs that are classified as high risk. Rates will not go well.

7. Get and compare quotes from a wide range of insurers. It 's fast, free, easy and no obligation secured, but it could help save thousands over a few years.

Just make sure you get your quotes from some of their associates or affiliates.