How to save on whole life insurance

Buy it before health problems or accidents happen!
Get at least two proposals from an independent, local life agent
Hold your whole life policy for at least 15 years
Get all projections and cash values in writing
Compare the minimum guaranteed rates, if any
Question any projections that are ultra cheap
Find out if your rate class before you get your physical
Pay your premiums on an annual basis
Review your policy so that you're not under or over insured
Keep your policy in a safe place known by your beneficiaries
Avoid all tobacco because users will pay two or three times more
Prior alcohol or substance abuse will make you a high risk

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