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Life Insurance Money Saving Tips By Darren Life insurance, specifically Term Life, is arguably one of the best values in the entire financial services arena. Where else can you go and get hundreds of thousands of pounds in protection for literally pennies per day? Rates for Term Life insurance remain at all-time lows, and now is the time to lock in the best prices. Here are some ways to help you save money when purchasing life insurance.
Buy when you're young. Although your financial needs may be lower at a younger age, the rates are also substantially cheaper when you're young. Remember, the goal is to cover your primary assets (like your salary and house) so that if something were to happen to you, your beneficiaries would be able to persevere financially. The best advice is to lock in as much protection at a young age while your health and prices are still good.
Your "half" birthday could be costly. While some companies raise their prices based on your actual age, most companies increase the price of their policies six months before your birthday. It's a term called "Age Nearest" in the industry, and that half-year price increase could really add up over a 20-year term policy.
Buy before any major health issues arise. Healthy people have the best mortality risks and thus are much cheaper for companies to insure. This translates into lower rates for the "Super Preferred" customer than someone with higher risk factors such as a heart condition, cancer or diabetes. Conversely, if you were unhealthy when you acquired your policy, and your health has now improved, it might be time to shop for a new policy, as your rates are likely to be lower.
Select the right length of coverage. Everyone has different needs, and not one size fits all when it comes to term life insurance. While it may make sense for people in their 30s and 40s to secure a 20-year term length, a 10-year term might be more appropriate for someone nearing retirement.
People who are trying to quit smoking, for example, might be best suited purchasing a shorter term (and then replacing it with a longer term policy when they qualify for non-tobacco prices). Lastly, individuals who have 30-year mortgages might want to consider a 30-year term to ensure that the house is protected throughout the period of the loan.
Check for price breaks. Companies often offer "price breaks" at certain coverage amounts (i.e. £250,000 vs. £225,000). The truth is that many people can actually
pay less money for more coverage. Check how much or little your prices increase when you increase coverage to £250,000, £500,000, or £1,000,000.
Buy the right amount of coverage. Many agents may try to sell you more coverage than you need. The purpose of life insurance is to "indemnify" (replace financial loss), and what most people should be looking for is income replacement for their beneficiaries. Independent financial planners recommend the following rule of thumb: purchase an amount of coverage equal to 6-10 times your annual gross income.
The right hobby with the wrong company could cost you. People who participate in high-risk sports or activities (such as hang-gliding, skydiving, mountain climbing, scuba diving, and racing), or even those who like to have an occasional cigar could very well pay more money if they don't pick the right company.
Every company looks at risk factors differently and some are more liberal in certain areas than others. Make sure you work with an insurance company that has properly matched your personal profile with their underwriting criteria.
Work policies aren't always the best deal. . Work policies are often based on a composite profile of the employees you work with, many of whom may be less healthy than you, or have other underwriting factors that might drive up rates.
These type of policies also expire if/when you leave the company. Inexpensive term life insurance polices that cover your dependents until they can live comfortably on their own are often a better alternative.
Check out your payment options. Many life insurance companies offer discounts to consumers who pay their premiums annually.
Review your policy often. Do a review of your life insurance policy a minimum of every three years, if not more often. Rates may be lower, and your circumstances may have changed, necessitating more or less protection. If you are replacing a policy, make sure you allow enough time to get your new policy in place so coverages won't overlap or lapse.
Don't overspend on protection. Term life insurance is the most affordable and cost-effective pure protection available, and it is typically much less expensive than a comparable whole life policy. The old axiom still rings true: "Buy Term and invest the difference."
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IndiaFirst launches 2 new ULIP products IndiaFirst Life Insurance Company launched two equity-linked insurance products (ULIPs), which comply with the new IRDA guideline.http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/IndiaFirst-launches-2-new-ULIP-products/articleshow/6518867.cmshttp://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/IndiaFirst-launches-2-new-ULIP-products/articleshow/6518867.cmsWed, 08 Sep 2010 09:19:01 GMTIndiaFirst launches 2 new ULIP productsIndiaFirst launches 2 new ULIP productsHow to buy insurance policies online How to buy insurance policies onlineHow to buy insurance policies onlineLaunch: SBI Life Insurance's Smart Performer Launch: SBI Life Insurance's Smart PerformerLaunch: SBI Life Insurance's Smart PerformerProtect your health after retirement Insurance cos have have extended the age limit for renewing health policies to 100 yrs.http://economictimes.indiatimes.com/quickiearticleshow/6516477.cmshttp://economictimes.indiatimes.com/quickiearticleshow/6516477.cmsWed, 08 Sep 2010 01:08:14 GMTProtect your health after retirementProtect your health after retirementTPAs object to life cos' captive play New India Assurance, Oriental Insurance, United India Insurance and National Insurance Company have decided to form a JV with a TPA.http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/TPAs-object-to-life-cos-captive-play/articleshow/6516453.cmshttp://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/TPAs-object-to-life-cos-captive-play/articleshow/6516453.cmsTue, 07 Sep 2010 23:40:45 GMTTPAs object to life cos' captive playTPAs object to life cos' captive playInvestors can now expect better Ulip products & services Several new Ulips have started hitting the market after the Irda new guidelines on Ulips came into effect from September 1. So what has changed?http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/Investors-can-now-expect-better-Ulip-products--services/articleshow/6516283.cmshttp://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/Investors-can-now-expect-better-Ulip-products--services/articleshow/6516283.cmsTue, 07 Sep 2010 22:25:12 GMTInvestors can now expect better Ulip products & servicesInvestors can now expect better Ulip products & servicesSBI Life Insurance's Smart Performer We will examine the Smart Performer, which aims to offer the highest net asset value (NAV) during the first seven years or the NAV on maturity, whichever is higher.http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/SBI-Life-Insurances-Smart-Performer/articleshow/6516274.cmshttp://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/SBI-Life-Insurances-Smart-Performer/articleshow/6516274.cmsTue, 07 Sep 2010 22:21:19 GMTSBI Life Insurance's Smart PerformerSBI Life Insurance's Smart PerformerSwiss Re to exit TTK Healthcare TPA Re-insurance firm Swiss Re said it will sell its entire 26% stake in third party administration firm TTK Healthcare TPA to Vidal Healthcare Services so that it can focus on the re-insurance business in India.http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/Swiss-Re-to-exit-TTK-Healthcare-TPA/articleshow/6516091.cmshttp://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/Swiss-Re-to-exit-TTK-Healthcare-TPA/articleshow/6516091.cmsTue, 07 Sep 2010 21:03:55 GMTSwiss Re to exit TTK Healthcare TPASwiss Re to exit TTK Healthcare TPAIDBI Federal launches Wealthsurance Milestone Plan The plan offers a wide range of investment options, insurance options and flexibility that allows customers to customise a plan suited to their needs.http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/IDBI-Federal-launches-Wealthsurance-Milestone-Plan/articleshow/6513189.cmshttp://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/IDBI-Federal-launches-Wealthsurance-Milestone-Plan/articleshow/6513189.cmsTue, 07 Sep 2010 11:28:32 GMTIDBI Federal launches Wealthsurance Milestone PlanIDBI Federal launches Wealthsurance Milestone PlanIRDA refuses to renew Willis India licence Willis India Insurance Brokers has been denied renewal of its broking licence in India for regulatory violations.http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/IRDA-refuses-to-renew-Willis-India-licence/articleshow/6510276.cmshttp://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/IRDA-refuses-to-renew-Willis-India-licence/articleshow/6510276.cmsTue, 07 Sep 2010 02:27:38 GMTIRDA refuses to renew Willis India licenceIRDA refuses to renew Willis India licenceAvantha inks pact with ERGO to discuss life JV Avantha Group has entered into an agreement with Germany's Munich Re group's direct insurance arm ERGO to pursue discussions for a life insurance joint venture.http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/Avantha-inks-pact-with-ERGO-to-discuss-life-JV/articleshow/6510255.cmshttp://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/Avantha-inks-pact-with-ERGO-to-discuss-life-JV/articleshow/6510255.cmsTue, 07 Sep 2010 02:16:08 GMTAvantha inks pact with ERGO to discuss life JVAvantha inks pact with ERGO to discuss life JVCholamandalam MS launches 'e-policy' Cholamandalam MS General Insurance launched an 'e-Policy' for its intermediaries, 'bancassurance' partners and customers.http://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/Cholamandalam-MS-launches-e-policy/articleshow/6505776.cmshttp://economictimes.indiatimes.com/personal-finance/insurance/insurance-news/Cholamandalam-MS-launches-e-policy/articleshow/6505776.cmsMon, 06 Sep 2010 09:19:29 GMTCholamandalam MS launches 'e-policy'Cholamandalam MS launches 'e-policy'