Insurance Information

Here are some things you can do to help reduce your life insurance premiums:

A recent or multiple drunk driving conviction may lead to a flat extra premium being tacked on to your regular life insurance premium. These fees will typically disappear anywhere from two to five years after your last conviction

Reduce your drinking. You don't have to quit entirely, but even reducing your drinking to a moderate level can help you get lower life insurance premiums. Be sure to document dates and visit your doctor so he/she can monitor your progress as well. You can approach your life insurance company over a period of six months to two years, and show them your proactive approach at bettering your health.

Improve your health. As stated above, by lessening the amount you drink, getting your liver enzymes in check, and taking better care of your body and health, you should be able to get your life insurance premium lowered. If your insurance company is unwilling to lower your rates, don't be scared to shop around-there will be another life insurance underwriter out there who is willing to look at your health improvements and give you a better quote.