Life Insurance - Who Says You Can\’t Pay Less
During a medical examination, a man told the medical examiner that he smoked a cigar about only once a year to mark special moments. He was sure that since he had made it clear that he just smoked a cigar once a year to mark special moments, it won\'t be a problem.
He was wrong as the insurance company he chose ended up giving him the exact same rates as if he was a two-pack-a-day man. His life insurance rate was twice as much as what non-smokers were given to pay.
Usually everyone would accept their fate and the rates given once they know the insurer in question is highly reputable. He would, however, not accept that on his part because he reasoned that smoking just once a year did not put him in the same position as a two-pack-a-day man.
He wrote the life insurance company requesting that they give him a non-smoker\'s rate since he just smoked about once a year. His case was made an exception after weeks of negotiating and explaining as he got a 50% reduction in his life insurance rate.
There are many life insurance carriers out there and they are all competing for your business. You can and should use this to your advantage any time you think you have a cogent reason that should make you pay less. Every insurer would happily give you lower life insurance rates if that will earn them your business but still reflect the risk they bear by insuring you.
So if you have a good reason to ask for lower life insurance rates, ask since the worst that could happen is that they won\'t give you any discount.
However, make sure that you do not misrepresent the facts to make yourself look like a better risk than you are. You can render your life insurance policy null and void if your insurer can prove that you gave them false information about yourself.
Finally, you will save much money on life insurance if you obtain and compare quotes from quotes sites. Using at least three quotes sites increase the chances that you would make bigger savings. I advise that you use not less than three quotes sites as that will ensure you do not miss out great life insurance offers not given by the other sites.
Here are my favorite pages for life insurance quotes...
InsureMe Life Insurance Quotes
Publishers can get unique versions of my articles by following any of the links above. Click on \"To Use My Articles\" when you get to my site.
Chimezirim Odimba writes on insurance.
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