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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