United Life Group

How To Make Life Insurance More Affordable

If you’re like most people, purchasing an affordable life insurance policy can seem like a waste of time and money.  However, most people don’t realize how affordable life insurance can be.  They assume it’s just another expense that will take away from their monthly budget.  We understand!  Most of us have a hard enough time making ends meet even working multiple jobs.  But a cheap life insurance policy can go a long way to providing the coverage you need to provide for your family if something should happen to you.

How can you find cheap life insurance? This is a common life insurance question we receive. Here are three ways to make life insurance more affordable:

1. Quit smoking.

Although there are companies out there that provide life insurance policies to smokers, you’re better off quitting altogether if you really want to save on insurance.  And think about it, if you really want to avoid needing life insurance it’s probably best to kick the habit anyway.  The other great thing is with the rise of E-cigarettes, it’s become easier than ever to quit tobacco.

2. Sell your motorcycle.

This can be a tough sell with a lot of people.  We know not everyone will be interested in going to this extreme.  Most people love having and riding a motorcycle.  But again, this article is about how to find affordable life insurance.  Insurance companies tend to be weary of providing affordable coverage to motorcycle riders.  So if you’re on the fence about keeping your bike, life insurance could be a great motivation to put it up for sale and make a little cash.

3. Stay in shape.

Although the quotes we provide don’t require a medical exam, if you do end up going with a insurance company that asks for one, it’s best to be in excellent health.  The lower your health risks, the lower your premium, bottom line.  Let’s face it, we could all stand to eat a little healthier and add some cardio to our lives.  Not only will it save you money on a life insurance policy, it will potentially add months and years to your life!

4. No more skydiving.

There you have it, just a few ways of how to make life insurance more affordable.  If you have any other questions about no exam life insurance feel free to contact one of our licensed insurance agents.  They’ll be happy to answer any questions you may have.