Instant Whole Life Insurance Quote — What Insurance Providers Don’t Tell You
Even though you can pay less and get affordable instant whole life insurance quote by downgrading your coverage, it is not recommended if it puts you at risk. Here’s a safer way…
A man who smokes a cigar only about once a year told a doctor that during an examination. He thought that his insurance provider would understand that cigars for him were only to mark special events
His insurer felt otherwise and offered him the same rates as if he were a chain smoker His rate was about twice as much as what non-smokers were charged to pay
He could have just settled with the rate he got just like most people do. He wouldn’t accept that on his part because he reasoned that smoking only once a year did NOT make as bad a risk as people who smoke two packs everyday
He wrote to his insurer requesting that they reduce his rate to that of a non-smoker considering that he only used the cigar to celebrate special occassion probably once each year His case was made an exception after weeks of negotiating and explaining. He had a fifty percent slash in his rate
It is an unchanged truth that competition in the life insurance niche is fierce You can, and should, benefit from this whenever you feel you have a cogent reason that entitles you to paying less Insurance providers are only interested in making sure that your rates reflect your risk to them
So if you have a good reason to demand for cheaper rates, ask. The worst that would occur is that they won’t reduce your rate Nevertheless, do ensure that you don’t change the facts to make yourself look like a better risk than you are You will 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.
