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Life Insurance Rates:

90% of term life policies expire worthless. That being said, if people kept paying and eventually collected, the premiums would probably be much higher. Get rates by clicking on the blue links below:

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You can get lower rates on your life insurance by:

1. Take it upon yourself to ask your agent about all the discounts available to you with your preferred insurance carrier. There's a possibility that your agent might have overlooked a discount you're eligible for. You will reduce the odds of this happening to you if you make it a point of duty to ask your agent point blank to tell you of every discount that is obtainable. You might be astonished at discounts you've not taken advantage of.

2. You will save a lot if you really have between 15-30 minutes. Visit, receive and compare quotes from several insurance quotes sites. In one case study of a profile, the quotes site used returned many quotes as usual. The interesting thing was that the difference between the highest and lowest quote was over $2,000.

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3. People whose professions expose to hazards attract more expensive life insurance premiums. You'll get lower life insurance premiums if you quit a hazardous occupation for a non-hazardous one. If your profession exposes you to toxic substances, for example, your life insurance rates will be much higher than that given to a comparable profile who maybe works as a cashier in a bank.

4. People with excess weight get a lot more in life insurance rates than those with normal weights. There's something known as Body Mass Index (BMI) which is used to calculate a prospect's life insurance rates.

5. A high Body Mass Index will always get a high life insurance rate all other things being equal. The more overweight you are for your height and sex the higher your BMI rating will be. Now don't wait until when you can lose thirty pounds since dropping as little as five pounds can drop you into a lower Body Mass Index rating which will result in more affordable life insurance rates.

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