1.
Smokers have life insurance rates that are twice or more that of non-smokers.
It's not debatable that smoking is the topmost cause of cancer and other killer diseases.
It costs life insurance companies a lot more to provide it to smokers because of their high risk.
Once you quit smoking for about twelve months inform your present insurer or reapply to some other insurer and you will see a remarkable drop in your rates.
2.
Overweight people get a lot more in these rates than people with normal weights.
An insured's Body Mass Index (BMI) is a strong factor that affects what an individual pays as life insurance rate.
A high Body Mass Index will always attract an expensive premium all other things being equal.
Your weight is too much for your height and sex if your BMI is high.
Put more effort into shedding excess weight as losing even a few pounds could put you in another BMI rating which means more affordable premiums.
3.
Getting your life insurance from the same company that provides your other policies will get you a discount.
It's called a multi-policy discount.
On the other hand, all the money you may save may still become insignificant if compared with savings you'll make by getting your policies from several insurers.
4.
I recommend that you use at least three quotes sites because it will ensure you do not miss out offers not presented by the other sites.
This offers you a broader basis for doing better comparisons thereby increasing your chances of getting more for less.