There’s a few ways you might be able to cut the cost of your premium:
Take out a policy when you’re younger and healthier – it’s likely to cost less than if you wait
Check to see if you’re already insured. For example, you might have death in service insurance through your workplace.
Get the right amount of cover - you don’t want to be underinsured, but nor do you want to find yourself paying for cover you don’t need
Stop smoking, vaping and using any tobacco products – you’ll pay more for your premium if insurance providers consider you to be a smoker.