If the company won’t change your rating then give me a call and I can perhaps find you a better rating and policy with a different company.
If you lose a few pounds and start doing some cardio exercise (always consult your doctor before you take up any exercise regimen) then you will reduce your risk for heart disease, diabetes and moderate exercise can also help reduce your cholesterol levels and lower your blood pressure.
4. Quit Smoking
If you smoke then consider that now is maybe the time you should think about quitting. You might have to quit for about a year, but you can get better rates if you’re a non-smoker.
Need Proof?
It’s easy to say that you can save money but here are few sample quotes to show you that buying insurance when you’re younger, healthier and a non-smoker can pay off and save you money if you’re a male.
These quotes are for Preferred Plus Rates for men ages 20, 30, 40 and 50 years of age who are non smokers and weigh in at 180 pounds and are 5’10.
$200,000 Term Life Insurance Quotes for Male Aged 20 – 50
| 20 Year Term Life Insurance Policy | ||
| Monthly | Annual | |
| 20 Year Old Male | $13.00 | $149.00 |
| 30 Year Old Male | $13.00 | $149.00 |
| 40 Year Old Male | $18.00 | $211.00 |
| 50 Year Old Male | $39.00 | $445.00 |
| (Disclaimer – These rates are effective as of March 6, 2013) | ||
Using the same factors as above, this is what it would cost you annually if you are non-smoker versus being a smoker.
$200,000 Term Life Insurance Quotes for Male Aged 20 – 50
| 20 Year Term Life Insurance Policy | ||
| Non-Smoker | Smoker | |
| 20 Year Old Male | $149.00 | $372.00 |
| 30 Year Old Male | $149.00 | $428.00 |
| 40 Year Old Male | $211.00 | $663.00 |
| 50 Year Old Male | $445.00 | $1,621.00 |
(Disclaimer – These rates are effective as of March 6, 2013)
Where to Find an Affordable Term Life Insurance Policy for Men?
You always want to talk to an independent agent like myself. We can access and research dozens of companies so you are assured we will find the best policy at the most affordable rates. If you have health concerns, don’t let that dissuade you because we can give you valuable advice and help you to find a policy that suits you.
Whatever your needs or questions then please call me direct at 877 – 966 – 9383.