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Alabama Life Insurance -- How To Get Cheaper Rates

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Alabama life insurance: It's really very easy for you to buy adequate coverage at a low price. The two things that stand between you and enjoying a better rate at the moment are relevant information and a determination to make use of the recommendations you get -- Period. Let us get into the steps you need to attract more affordable rates...

1. Smokers will always attract very high life insurance rates. It is a sure fact that smokers are prone to many health conditions and that they don't live long.

This increases their risk to an insurer and therefore raises their rates considerably. It's up to you to stop smoking and then apply again after twelve months if you want to see your life insurance premium reduced by 50%.

2. The use of tobacco in any form will add to your life insurance rates. Chewing or snuffing tobacco, for instance will cost you in higher life insurance premium.

So, if you want cheaper rates, stay away from tobacco use in any form.

3. If you need a discount, get your life insurance policy from the same insurer you bought existing policies from. It's called a multi-policy discount.

4. Reduce you weight and your life insurance premium will be lower. There is something called Body Mass Index (BMI). It is used to determine a prospect's life insurance premium.

A high Body Mass Index will always get a high life insurance rate all other things being equal. If your Body Mass Index rating is high it simply means that your weight is too much for your height. Put more effort into shedding excess weight as dropping just a few pounds could put you in another BMI rating which means cheaper premiums.

5. Individuals who choose to participate in dangerous sports will always attract life insurance rates that are costly. If you really want to reduce your life insurance rate then change to non-life-threatening sports.

6. You might be missing some discounts you qualify for with your preferred insurer just because you don't know. Since agents too are human they might forget to tell you about some discounts you should take advantage of.

To ensure you're NOT losing money, ask your agent to list out every discount that your preferred insurance carrier offers. You might be surprised at discounts you have not benefited from.

7. You will save a lot if you can shop around (by visiting insurance quotes sites and do thorough comparison. You'll make savings if you go to only one quotes site. But, you will get more by using at least five. The straightforward reason for this is that you'll get many more quotes from a wider range of insurance companies. This gives you a broader basis for doing better comparisons.
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