How Much Does The Average 19 Year Old Female Weigh Nearly 30 Ways to Save on Life Insurance

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Nearly 30 Ways to Save on Life Insurance

There are numerous articles that help with life insurance tips, but above all one can find some tips. Wouldn’t it be great to have all these savings tips and tricks in one place? We have created a list of life insurance! This list is the most comprehensive overview of all life insurance savings opportunities in Canada and was created after extensive discussions with many insurance brokers. If you find this list useful, bookmark it and share it with others! So, let’s get started!

1. Age: Apply for the policy when you are young and your premiums will be lower.

2. Add your age wisely: If you decide to take out life insurance, make sure that your age is rounded down and not up, that is, if you will be 30 on December 31st, buy the policy in the first 6 months of the year where be your age still rounded to 29 and not 30.

3. Good health: If you are in good health and have a good build (weight to height ratio) when you apply for a life insurance policy, insurers will reward you with lower premiums.

4. Non-smokers: Quit smoking well in advance (at least a year) before applying for a policy; otherwise, your premiums will double.

5. Good driving record: Make sure you have a good driving record before you apply – life insurance provider penalizes a bad driving record (like car insurers), your premiums will increase by 25-50%.

6. Gender: Insured women pay on average 25% less than men. Changing your gender won’t really help – insurers take into account the gender you were born with.

7. No depression: Mental health is important: people with a history of depression pay between 50% and 200% more.

8. Family background: Having a healthy family without any serious illness lowers your life insurance premiums as you are less likely to suffer from a serious illness. Serious known problems in your family’s medical history can increase premiums by 50% to 250%.

9. Your medical history: Having a healthy medical history in the past (not equal to current good health at the time of application) has an impact on your health insurance. If you have had serious problems, some potential illnesses may be excluded from your cover.

10. Do not drink excessively: If you don’t have a problem with alcohol, you may benefit from lower insurance rates; otherwise, your premiums can increase by up to 50%. A heavy drinker would be considered someone who drinks 3-4 beers a day.

11. Duration instead of other types of insurance: Choose term insurance products instead of, say, Universal Life. The former is a pure insurance product, while the latter represents a combination of life insurance and investment product and often costs more.

12. Get in shape: If you already have a life insurance policy and you’ve gotten fitter than you were when you took out the policy (for example, spending hours at the gym), you can apply for a premium review of your life insurance.

13. Driving offenses outside your record: If your driving record has improved while you have a life insurance policy, you can review your premiums with your insurer and reduce them (the usual time for minor offenses to come off your driving record is 3 years).

14. Stop smoking: If you have a policy that you took out when you were a smoker, stopping smoking and proving to your insurer that you have not relapsed for at least 1 year will lower your insurance premiums. Smokers often pay double the premiums!

15. Stop drinking: Similar story with drinking – prove that you went 1 year without drinking and it will be reflected in your adjusted premiums for an existing life insurance policy.

16. Group life insurance: Group life insurance can be an alternative to your personal life insurance if your employer provides sufficient coverage; at least you are protected as long as you work for the company.

17. Employees/Unions: Some companies offer discounts to union members (eg IBM Canada or Research in Motion)

18. Eliminate unnecessary extra coverage: Check the extras offered with a life policy to decide if you need them, for example the accidental death benefit (higher payouts in the event of accidental death), the term conversion awardee (if that you want to convert your universal term policy)

19. Avoid guaranteed life policy: People in good health don’t need a guaranteed issue life insurance policy (these are policies that don’t require a medical exam but cost more) – get a checkup/health exam and enjoy life insurance premiums lower

20. Professional members: Are you a member of a professional organization (for example, Certified Management Accountants of Canada or The Air Canada Pilots Association)? Then some insurance companies offer you a discount.

21. A policy for your spouse and you: You can get a policy for both your spouse and yourself; will often be cheaper than two individual life insurance policies (also called a multi-life policy)

22. Adjust the coverage amount: Make sure you don’t take out more (but not less) insurance coverage than you need: $1,000,000 may be enough; ask yourself and your insurance advisor if you really need $2,000,000?

23. Less risky jobs: Not participating in dangerous jobs like a member of the police bomb squad will help avoid additional insurance premiums.

24. Buy: Search, compare and switch insurance companies. There are many insurance providers and their price offers for the same policies can be very different, so use several online tools and talk to several brokers, as each will cover a limited number of insurance companies.

25. Former students: Graduates of certain Canadian universities (eg University of Toronto, McGill University) may be eligible for a discount from certain insurance providers.

26. Annual payments vs. monthly: Compared to monthly payments, annual payments save insurers administrative costs (eg sending invoices) and therefore reward you with lower premiums.

27. Welcome discount: Some insurers offer a so-called welcome discount!

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