Shop For Life Insurance With Us
Are you in the market for life insurance? Well, keep these points in mind but do tread with caution and act prudently.
Shop around and Bargain
Her is how we do the work for you. Shop, Compare, and Bargain! Well, the oldest principle, old as dirt, but still going strong. Once we agree on your coverage, don’t just sign up for the first plan that crosses your eye. Ensure that you let us shop around and get a feel of the market. This would help you to bargain hard and get the greatest coverage at the lowest possible price.
Opt for Term Life Insurance
The quickest way to lower your life insurance premium is to opt for term life insurance policy instead of a whole-life policy. The idea is to keep insurance as what it is and not turn it into an investment product. Thus, you can get yourself insured under term life policy at the fraction of the cost of a whole-life scheme with typically the same coverage amount.
Keep yourself Fit
Be a low-risk proposition for your insurance provider by maintaining a healthy lifestyle and keeping yourself away from addictions such as smoking, drugs, and alcohol. A good health record will result in a considerable reduction in your life insurance premiums.
Consult an Insurance Advisor
To reduce your life insurance premium, the easiest thing you can do is to consult a good insurance agent. Since the agent will be professional in the insurance marketplace, he/she would be able to get you to the most affordable deal in line with your coverage requirements. Essentially a good insurance agent would compare different market rates for you and would also negotiate the best rates on your behalf.
Start at a young age!
Insure yourself at a young age. Life insurance premium at a young age is only a fraction of what it could be when you are well into your middle-age. The premise is young and healthy people are the lowest risk segment. The low mortality risk is a great incentive for insurance companies to insure you at lower premiums.
Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Columbia River Insurance Services can help you find an affordable healthcare plan that’s right for you. Contact one of our friendly agents today to learn more.