New Jersey Life Insurance Rate Comparisons
Reader question:
How do I get the best life insurance rates?
Jacob in New Jersey
Glad you asked.
Before you go online to make a life insurance rate comparisons, you need to assess your life and see what steps you can take to make sure you will receive cheaper rate quotes.
- If you’re a smoker, stop! (or at least stop for 15-20 days before you take a medical exam)
No matter how little you may be afraid of developing cancer, your life insurance company won’t take such a cavalier attitude for it, and will charge you a lot more. After you have been smoke free for a year, you can get better rates.
- Keep in one company.
Buy your life insurance policy from the same company you have your other types of insurance with, and save on all of them.
- Discounts.
When making a rate comparison, be sure to look beyond the initial quote. Check the company’s website and see what kind of discounts they offer. You would be surprised at the extent of discounts many companies have.
take care,
Fashun