Certain ways of cutting down your costs and qualifying for affordable instant whole life insurance quote actually compromise the quality of coverage you get and are, therefore, NOT advisable. There’s a better way…
During a medical examination, a man told the medical examiner that he smoked a cigar about only once anually to mark special occassions. He assumed that his insurer would understand that cigars for him were only to mark special occassions
His insurance provider felt otherwise and offered him the same rates as if he were a two-pack-a-day man They gave him a rate that was so high it was about two times as high as non-smokers’ rates.
Usually one would have thought he would take it just like that bearing in mind that it was given by a reputable insurer Nevertheless, he did otherwise: Taking a cigar once a year didn’t make him as bad a risk as two-pack-a-day smokers
He wrote the insurance provider requesting that they give him a non-smoker’s rate since he only smoked about once a year His position was finally accepted by the insurance provider and his rate was lowered by fifty percent.
There’re lots of life insurance providers out there and they’re all competiting for your business This is something you should use to your advantage mostly when you have a good case If you can show an insurer that you’re less a risk than they thought you were, they can lower your rate.
So do NOT be afraid to negotiate if you are really sure that you do have a case This does NOT mean in any way that you should give false details in other to bargain for a better rate. You can make your life insurance policy invalid if your insurer can show that you gave them untrue information about yourself