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My name is Dan Branstetter I am an independent insurance broker, specializing in helping people with their life insurance needs. The biggest need people have is to keep the cost affordable. So let me share four things that will save you money on life insurance. Life insurance can seem like a burden, but imagine the burden you and or your family would have if it was not there when they needed it. I know it’s not a pleasant subject, that is why it is best to deal with it responsibly and move on to more pleasant things to think about , knowing it is taken care of. With that said I would like to write briefly on ways you can save on your life insurance policy.

Number one, buy it when you’re young. Now I know that may be not appropriate for everyone, but to those of you who are still in your twenties and thirties and have a family or dependants or a mortgage, you need life insurance. Lock in the great rates you can get while you are young and healthy. The two biggest factors in deciding insurance rates are age and health. And your health usually does not get better with age. That is why it is very important for those of you in your forties and fifties, who aren’t insured or are under insured, you should not wait to apply for insurance. One major health issue can greatly increase your rates.

Number two, take responsibility for your health. Healthy diet and exercise and limit alcohol consumption. The occasional drink is debatable if it is good or bad for you health, but in excess, alcohol acts just like sugar and turns to fat when it’s not burned. So excessive drinking is not only bad for your health, but also can greatly increase weight gain. Health and weight both big factors in insurance rates.

Number three, don’t use tobacco. Yes I know for some of you that it is easier said than done, but did you know that rates
are almost double for smokers than non smokers in a lot of cases. And if you quit with in 2 to 5 years you may be able to dramatically lower rates, because rates are tiered in accordance to how long you have quit smoking. So if you have quit smoking in the last 2 to 5 years you should review your policy with an insurance agent.

Number four, comparison shop. Now before you go out on the internet and run all the numbers on those quote engines, understand that unless you know what the different insurance companies requirements are, you have no way of comparing apples to apples. That is where you need a good qualified independent insurance agent. A qualified independent insurance agent who knows the different requirements the insurance companies have is the quickest and easiest way to comparison shop, knowing your getting the best best life insurance deal.

Dan Branstetter An Independant Life Insurance Agent

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