Getting the cheapest life insurance policy is easy. To get a great quote, follow these tips:
Check deals at a range of companies. Just log on to InsuranceDeals.ie and get a quote from any provider.
Buy insurance young. Risks are lowest when you are in your twenties. After that, they begin to rise. Illness cover goes up in cost after forty.
Pay annually. Life insurance companies treat monthly financial payments like repayments of a loan. Thus, you have to pay both the regular fee, plus interest. Paying annually is, therefore, more cost-effective.
Avoid unnecessary riders. Extra features aren’t always necessary. A stand-alone policy might be all you need to benefit. You may not need mortgage protection.
Stop smoking. All insurance firms and brokers ask whether you smoke. If you do, your insurability goes down and you’ll owe more. If you are a non-smoker, fees are less.
Stay healthy. Keep your body in good condition. Take regular exercise. Eat healthy food. Avoid junk. This reduces fees for illness cover and mortgage protection.