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Most people have any idea if thery're high risks or not because of a medical isue. Did you know you can also be high risk if your background includes:
- Use an independent agent that represents several companies
- Get an idea of your risk rating and premiums before you could be declined
- Maintain good weight. If you go to the zoo and the elephants throw you peanuts, you won't be able to obtain coverage or it will be expensive. Odds are against you loseing weight before enrolling, so buy it now
- Monitor your cholesterol level by getting reducing your intake of meat, eggs, and butter
- Pay your life insurance premiums on an annual basis
- Drive slow and enjoy the scenery, drive fast and join the scenery. 3 tickets or accidents will increase your premiums
- Skydiving, scuba diving, and other high-risk activities will decrease your life expectancy and increase your premium
- Review your insurance policy annually. Be sure that you're not under or over insured
- Consider group life insurance through your employer, union, or membership in alumni groups, or professional groups.
- Keep your policy in a safe place
- Consider credit life insurance bought from the lender only if you have a pre-existing medical issue
- Don't smoke, and avoid all tobacco. Smokers will pay two or three times more.
- Prior alcohol, substance abuse or drunk driving will get you declined or make you high risk
- If you've been convicted of a misdemeanor or felony, you may be considered higher insurance risk
- Get the amount you need now it will cost more as we get closer to the inevitable.
- Last-to-die or First-to-die policies may be cheaper than individual policies
- Term life premiums are lower initially than whole life insurance
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