First Interstate Organization

A number of recommendations reducing your costs and attracting affordable instant term life insurance quote do reduce the quality of coverage you enjoy and so are NOT advisable. I’ll share a safer way… 

A man who smokes a cigar only about once a year told a medical examiner that during an examination. He assumed that his insurer would appreciate that cigars for him were only to mark special occassions

He was wrong as the insurer he settled for decided to give him similar rates with a two-pack-a-day man They gave him a rate that was so high it was about twice as high as rates given to non-smokers.

Ordinarily one would have expected him to take it as final considering it came from a highly rated insurance company He wouldn’t accept that on his part since he reasoned that smoking just once every year did NOT put he in the same position as a two-pack-a-day man

He wrote to his insurer demanding that they lower his rate to that of a non-smoker because he only used the cigar to mark special events probably once yearly His reason was eventually accepted by the insurance provider and his rate was reduced by 50%.

There are lots of life insurance providers out there and they’re all competiting for your business You can, and should, use this to your advantage any time you think you have a cogent reason that should make you pay less Insurers are only interested in ensuring that your premiums reflect your risk to them 

Always remember that if you have strong reasons to believe you really should have less, don’t be afraid to ask your insurer. This doesn’t imply in any way that you should present cooked-up details in other to negotiate a better deal. You will be at the mercy of your life insurance provider if you provide them with false details about yourself as they are free to NOT pay according to policy terms if information you gave during application is untrue.