His Life
Your Term Life Quote May Be Less Then The Policy You Bought 10 Years Ago
Why are the rates lower now than for my policy I purchased 10 years ago, even though I am older?
Over the past many years, human life expectancy has been increasing in the U.S. People are living longer, and as a consequence, they are cheaper to insure.
Because insurance rates generally are decreasing, it is a good idea to review the insurance market every year or so. Compare the rates you are already paying against the rates that are available to you in the current market. It is often well worth purchasing a new policy and dropping your old coverage.
Having government regulation at a minimum reduces conformity among insurance companies. Their ability to diversify makes the industry more competitive and drives down prices for customers.
Insurers’ freedom furthermore allows them to specialize so that different life insurance companies can provide insurance especially cheaply to certain demographics. For instance, one insurer may offer the cheapest life insurance rates for smokers. Another may offer great life insurance rates for seniors. Another may offer the best insurance rates for cancer survivors.
When you’re ready to review your existing coverage, do a search online and you may be pleasantly surprised by the amount of money you may be able to save. If you have annually renewing term, you will want an agent to shop current rates for your new policy. Dealing with a competent agent may make the difference of a case getting approved or denied. Has your health changed for the better since your last policy? Often times a strong cover letter submitted to an insurance carrier, while substantiating a material fact for a change in health status, could be the difference of a policy being issued as substandard or standard. An additional fact to consider is have your avocation changed. Many carriers will drop rates if in your younger years you were a scuba or sky diver. You may no longer scuba or sky dive, this will result in a flat extra elimination or rate decrease. You may not have been with the most competitive carrier. As long as your insurance carrier is A rated or better, there is no reason to be weary of switching carriers. Your agent will be able to provide you with the financial strength of an carrier you may be considering.
About the Author
Life Carrier Direct was founded by managing partners with over 70 years of combined Life Insurance experience. Most people want life insurance to protect the ones they love from any unexpected death so that they will be protected financially to cover such things as loss of household income, funding for education, mortgage satisfaction, and other important financial considerations related to the sanctity of the family.
Please visit us at http://www.lifecarrierdirect.com for more information.
In His Life: John Lennon Story (1/9)
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September 17, 2009 8:03 pm 
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