Free Online Life Insurance Quote — What They Don’t Share
January 18th, 2010
Certain suggestions for bringing down your costs and qualifying for affordable free online life insurance quote could compromise the quality of coverage you enjoy and are, therefore, NOT advisable. I’ll share a better way…
During a medical examination, a man told the doctor that he smoked a cigar about only once anually to mark great occassions. His thought was considering that he just smoked about just once every year and made this known to the doctor, this would NOT have any negative effect on his life insurance rate.
He was mistaken as the insurer he settled for decided to give him similar rates with a two-pack-a-day man His rate was over two times as much as what non-smokers were charged to pay
Ordinarily everybody would accept their fate and the rates given once they believe the insurer in question has a good reputation Nevertheless, he acted otherwise: Smoking once yearly didn’t put him in the same position with chain smokers
He wrote to his insurer requesting that they reduce his rate to that of a non-smoker considering that he only smoked a cigar to mark special moment probably once each year His reason was finally accepted by the insurance provider and his rate was reduced by 50%.
Believe it or not, competition in the life insurance industry is stiff For those who have a reasonable case, make sure you benefit from this competition. Insurance providers are only concerned with ensuring that your rates shows your risk to them
So if you have a good reason to demand for cheaper rates, ask. The worst that would happen is that they won’t reduce your rate And, while you’re encouraged to negotiate, ensure that you never disclose details that are NOT true You’ll be at the mercy of your life insurance carrier if you give them false details about yourself as they are free to NOT pay according to policy terms if information you gave during application is false.
Entry Filed under: Business