There are a number of ways to be sure you get the most affordable term life insurance rate.

  1. Be sure to work with a broker that deals with multiple carriers that can help you find a life insurance company that will offer you the most favorable rates for your paritcular situation (health and lifestyle)
  2. Be sure to prepare for the medical exam
  3. Be truthful on your life insurance application. If you lie or omit some information, the offer made by the life insurance company will be higher than originally quoted.
  4. Shop around
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