Are you all set to compare life insurance rate or quotes? Here’s one thing to bear in mind: You can lower your costs considerably and obtain affordable life insurance quotes by compromising the quality of coverage you enjoy. That’s NOT good. I’ll share a better way… 

A man who smokes a cigar only about once a year told a medical examiner that during an examination. He assumed that his insurer would appreciate that cigars for him were merely to mark special occassions

His insurer thought otherwise and offered him the same rates as if he were a chain smoker His rate was at least twice as much as non-smokers’ rates

Ordinarily one would have expected him to take it just like that  considering it was given by a reputable insurer Nevertheless, he thought otherwise: Smoking once annually did not make him as bad a risk as two-pack-a-day smokers

He wrote the insurance provider demanding that they give him a non-smoker’s rate since he only smoked a cigar about once every year His case reviewed after weeks of negotiating and clarifications. He had a 50% reduction in his rate

There’re lots of life insurance companies out there and they are all competiting for your business This is something you should use to your advantage especially when you have a good case All insurance carrier would gladly give you lower rates if that’ll enable them do business with you but still compensate them enough for the risk they bear by insuring you 

Therefore, if you have a good reason to ask for cheaper rates, ask. The worst case scenario is that they won’t give you any discount Nevertheless, make sure that you do NOT misrepresent the facts to make yourself look like a better risk than you are You will be at the mercy of your life insurance provider if you provide them with false details about yourself as they’re free to NOT pay according to policy terms if information given during application is wrong.