Ways To Save On Universal Life Insurance

Buy it right away, before you have a health problem or accident
Hold your universal life policy for at least 15 years
Avoid all tobacco because users will pay two or three times more
Prior alcohol or substance abuse will make you a high risk
Drunk driving or 3 traffic tickets will increase your premiums
Get the coverage you need now because the cost only goes up
Never take drugs, alcohol, and cigarettes before an insurance exam.

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