Saving Money On Universal Life Insurance




  • Get at least two proposals from an independent life agent
  • Hold your universal life policy for at least 15 years
  • Avoid all tobacco
  • Prior alcohol or substance abuse will make you a high risk
  • Don't drink & driving or get traffic tickets
  • Get the coverage you need now
  • Never take drugs, alcohol, and cigarettes before an insurance exam
  • Divulge ALL health problems to your agent
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