Call Us Call Us Today | 864.964.0622
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Home & Renters Insurance HOMEOWNERS

A standard policy insures the home itself and the things you keep in it.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More
Motorcycle Insurance MOTORCYCLE

Learn about different coverage options that fit your specific needs.

Read More
Boat Insurance BOAT

Finding insurance doesn't have to be difficult. We do the work for you.

Read More

Signing Life Insurance Paperwork

Life insurance is one of those necessary expenses that you hope your family will never experience the value of having. It's meant to be a replacement for your income when you're no longer around to provide for your dependents.

Even though you know life insurance is there as a safety net, you don't want to overpay for it. Here are five tips for getting lower life insurance premiums:

1. Comparison Shop Life Insurance Prices

This is key in shopping for most things, especially insurance products. These days, it doesn't take much time to search online to find the best prices. But still, once you find them, you'll want to keep in mind other things you can do to lower that amount.

2. Make Some Lifestyle Changes

Do you smoke? Are you overweight? Do you have high blood pressure? All these are risk factors that impact your life insurance premium. Some health problems can be solved by changing your lifestyle. Start eating more fruits and veggies. Take up walking. Chew sugar-free gum to replace the cigarettes.

3. Choose A Term Life Policy

Most people will find that a term life insurance policy offers coverage for the lowest price during the time when life insurance is most important to them: their child-rearing years. Imagine you're a 28-year-old with three kids. By the time your 20-year policy is complete, your kids will be adults, and they'll be able to support themselves. Then you can reevaluate your need for life insurance, based on the level at which your adult children rely on your income, and your savings.

4. Pay Annually

Companies often give a small discount for paying annually. Help your budget by paying yourself 1/12 of your payment into a savings account. Then, when your next payment is due, you won't notice that money missing from your bank account.

Bundle with other insurance policies. For companies that offer a variety of insurance products, they'll usually give a discount if you purchase several policies from them. Consider switching your home and auto policies, and you might even save enough to barely see the increase from your life insurance policy.

To find an affordable life insurance policy, contact Select Insurance today!

Get A Quote

Posted 12:00 PM

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2011
  • 2010
  • 2009
  • 2008

View Mobile Version
National General
Great American
© Copyright 2020. All rights reserved.
Powered by Insurance Website Builder