Lower Your Term Life Insurance Premiums

Use an independent agent that represents many companies and can help you choose among many products to meet your needs.
Get an idea if you’re a standard or preferred risk before you get your physical or complete paperwork.

Maintain good weight. If you go to the zoo and the elephants throw you peanuts, you won’t be able to obtain coverage or it will be expensive;

Monitor your cholesterol level by getting screened every 5 years if over 35 years of age. Reducing your intake of meat, eggs, and butter. Eat breads, cereals, pasta, grains, fruits and vegetables;

Pay your life insurance premiums on an annual basis as companies always charge 4-6% extra to pay premiums on a less than annual basis