I recently wrote an article for another website on the topic of cheap term life insurance do’s and dont’s and I decided to make a video on the same topic. Getting cheap term life insurance and affordable term life insurance coverage can be simple if you simply follow these do’s and dont’s of buying term life insurance.
Transcript: Cheap Term Life Insurance Do’s and Dont’s
In this video I’m going to talk to you about some do’s and dont’s in getting affordable term life insurance coverage.
So if you’re looking for affordable term life insurance coverage. Here are some dos so that you can get the best rate.
First,do shop around for the best rates. Life insurance companies price things differently.You want to make sure that you are shopping the market and getting the best rate that you can get. You want to make sure that you also work with a high quality company so, do shop around for the best rates.
Number two, Do quit smoking. So if you are currently a smoker and you need life insurance, go ahead and get it, but think about quitting. if you do quit, most companies let you retest a year or two later and get better rates,lower your rates on life insurance. So
Get life insurance you need but quit smoking so that you can lower your rates.
Do make sure you talk to your spouse or partner about the life insurance that you’re getting. you want to make sure they don’t come to you six months down the road and say this is not the right type of life insurance for us. So Make sure you speak to your spouse,partner,any family member that’s going to be involved in the decision making process and make sure that everybody is comfortable with the decision on the type of life insurance that you’re getting.
And lastly, once you get your policy, speak to your beneficiaries. let them know there is a life insurance policy out there. This will make their life easier when you pass trying to figure out wether you had life insurance or not and which company you had it with.
As far as the dont’s of life insurance, don’t get discouraged. If you got declined you may not have been working with the right company, or the right agent.
Don’t give up, there are high risk life insurance companies. So if you got declined you want to make sure you speak to a high risk life insurance agent that can help you get approved with the health situation that you’re facing.
There are various types of life insurance coverages out there and you can get approved for life insurance. At Chooseterm.com we specialize in high risk life insurance and we can help you get approved for life insurance.
And last thing,Don’t hesitate. If you know you need life insurance get it,because you never know what the future brings and you want to make sure that your family is protected. So visit chooseterm.com and we can help you with your life insurance needs.
Author: Liran Hirschkorn