Right-Size Your Coverage
The simplest way to lower the premium is to insure only what you need. Coverage far beyond your expected funeral and final costs raises the price without adding value.
Start from a realistic estimate rather than a large round number.
Choose the Lowest-Cost Path You Qualify For
If your health allows, a simplified issue level plan generally costs less than guaranteed acceptance and pays from day one. Qualifying as a non-tobacco user also helps.
Which options are open to you depends on your health and the carrier.
Get a Personalized Rate in Minutes
Speak with a licensed agent who can quote your exact rate based on your age, state, and health — free and with no obligation.
Compare Carriers for the Same Coverage
Because each insurer prices differently, the same coverage can cost noticeably more at one company than another.
Comparing several financially strong carriers for an identical face amount is one of the most reliable ways to save.
Budgeting Tips for a Fixed Income
A few adjustments help the premium fit a fixed budget:
- ✓Apply sooner, since rates rise with age
- ✓Consider paying annually if it lowers the cost
- ✓Select a face amount you can sustain for life
- ✓Revisit tobacco status if it changes