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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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