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  • Will You Add? - Life Insurance: Getting the Best Rates

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    n’t deny you smoking. If you have a family history of heart disease or diabetes, report it. You won’t receive the best rate, but you won’t be rejected either.

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    Every expert has a different opinion on the best way to buy life insurance. The debates range from what kind of insurance is best to what the true purpose of life insurance is.

    It can be very confusing.

    But there are several strategies that experts agree will get you the best deal on life insurance.

    Always be honest

    Honesty is the best policy. It may be tempting to lie about your health and medical history. Many people try this in an attempt to be approved.

    It doesn’t work. Lack of disclosure will always come back to you. If you application and medical records don’t match, you will not get a good deal.

    Don’t deny you smoking. If you have a family history of heart disease or diabetes, report it. You won’t receive the best rate, but you won’t be rejected either.

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    It can be very confusing.

    But there are several strategies that experts agree will get you the best deal on life insurance.

    Always be honest

    Honesty is the best policy. It may be tempting to lie about your health and medical history. Many people try this in an attempt to be approved.

    It doesn’t work. Lack of disclosure will always come back to you. If you application and medical records don’t match, you will not get a good deal.

    Don’t deny you smoking. If you have a family history of heart disease or diabetes, report it. You won’t receive the best rate, but you won’t be rejected either.

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    s be honest

    Honesty is the best policy. It may be tempting to lie about your health and medical history. Many people try this in an attempt to be approved.

    It doesn’t work. Lack of disclosure will always come back to you. If you application and medical records don’t match, you will not get a good deal.

    Don’t deny you smoking. If you have a family history of heart disease or diabetes, report it. You won’t receive the best rate, but you won’t be rejected either.

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    It doesn’t work. Lack of disclosure will always come back to you. If you application and medical records don’t match, you will not get a good deal.

    Don’t deny you smoking. If you have a family history of heart disease or diabetes, report it. You won’t receive the best rate, but you won’t be rejected either.

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    n’t deny you smoking. If you have a family history of heart disease or diabetes, report it. You won’t receive the best rate, but you won’t be rejected either.

    Time works in your favor

    You can get the best rate on your insurance policies by scheduling your medical tests for first thing in the morning. Many insurance companies actually require this.

    Your blood pressure is lower in the morning. Your cholesterol is better and you are less stressed. It is a good idea to avoid salts, sugars, alcohol, drugs, caffeine and exercise before the test.

    Exercise can actually through your blood sugar and liver functions off. Go to bed early and get up, have the tests and then eat breakfast.

    You can often get better deals toward the end of each financial quarter and at the end of the ye

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