A number of recommendations lowering your costs and attracting the best life insurance quote usually compromise the quality of coverage you enjoy and are, therefore, NOT wise. There’s a safer way…
During a medical exam, a man told the doctor that he smoked a cigar about only once yearly to mark special occassions. He thought that his insurance provider would appreciate that cigars for him were only to mark great events
He was wrong as the insurance company he settled for ended up giving him similar rates with chain smoker He was given a rate that was over two times more than that for non-smokers
Ordinarily one would have expected him to take it as final considering it came from a highly rated insurer He chose that he will NOT allow any insurance provider give him what he considers an unfair rate that did not reflect the true position of things.
He wrote the insurance carrier demanding that they give him a non-smoker’s rate on account of the fact that he just smoked a cigar about once anually His reason was eventually accepted by the insurance company and his rate was lowered by fifty percent.
Believe it or not, competition in the life insurance industry is stiff For folks who have a reasonable case, use this to your advantage. If you can show an insurance provider that you are less a risk than they thought you were, they can reduce your rate.
So if you have a cogent reason to request for lower rates, ask. The worst that would happen is that they will NOT give you any discount This doesn’t suggest in any way that you should present cooked-up details in other to bargain for a better deal. You’ll be at the mercy of your life insurance provider if you provide them with misleading details about yourself as they are free to NOT pay according to policy terms if information given during application is false.