How can I lower my life insurance premiums?

Several strategies can meaningfully reduce what you pay for life insurance, some of which are within your control and others which take time.

Improve health metrics before applying. If you're borderline on BMI, blood pressure, or cholesterol, getting these to healthier levels before a medical exam can qualify you for a better rate class—potentially saving 20–40% annually. Even modest improvements in lipid panels or blood pressure can shift your classification.

Quit tobacco. Smokers pay two to three times more than non-smokers. Most carriers reclassify as non-smoker after 12–24 months of abstinence, unlocking dramatically lower rates.

Apply earlier. Every year of delay increases your premium. Applying while young and healthy locks in rates that will remain fixed for the entire term.

Choose the right carrier for your profile. Different carriers specialize in different risk profiles. A carrier that treats your health condition favorably may be 30–50% less expensive than the first carrier you approach.

Consider paying annually versus monthly. Annual premium payment typically saves 3–8% versus monthly payments over the same period.

Work with an agent who shops multiple carriers. Agents in our network compare quotes from multiple A-rated (A.M. Best) carriers to find the most competitive rate for your specific situation.