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Life Insurance

If you haven’t already, it’s not too late to formulate a realistic resolution for the New Year, and why not make this year’s one that can save you money as well? We are recommending taking a few easy steps towards lowering your life insurance premium. Interested? You should be. After all who wouldn’t want to qualify for lower life insurance costs?

Here are some tips offered by the insurance experts at ASJ Insurance & Financial Services Inc.

First off, if you use any type of tobacco products…quit. This is the single most cost-effective step any life insurance customer can take. Not to mention your health care provider and loved ones will thank you for this as well. Generally, after about a year you will be able to reap the benefits of non-smoker rates. This will be well worth the efforts you will put to quit smoking.

 Next, hit the gym. Not only will losing weight lower your number on the scale, but it will also drop your monthly life insurance premiums. Also, weighing less normally assists in lowering your blood pressure and cholesterol as well, this in turn will also help you bring down your life insurance premiums.

Getting regular medical physical exams from your medical provider will not only keep you healthy, but also help to detect any potential problems you may have. Early detection can immensely deter any lengthy medical issues, which could not only raise your life insurance premium, but in some cases even result in you being declined coverage all together. As a customer of life insurance, you want to always keep your body in the best shape possible. Remember, that you are a product. If you have a dozen minor and/or major health issues you are going to be viewed as a risk to your insurance company. You may very well even be a risk that insurance company is not willing to take.

Another major step towards achieving lower premiums is ridding your driving record of traffic tickets, accidents and hopefully you never had a driving under the influence citation in other words DUI citation. As you can see, all other aspects of insurance including auto and health are considered when underwriting your life insurance policy. After all, both of these factors greatly affect your safety and life expectancy. The cleaner your driving record is, the lower your life insurance premium will be. It’s that simple.

Lastly, do what you can to lower your stress levels. Stress is a major problem we all face and often can even be reason enough to trigger health problems. Being over all relaxed and healthy will help you be a better, safer driver and keep your health issues at ease.

Many of these individual resolutions make up some of the main bad habits many Americans try to kick every year, so why not combine them all and do what you can to lower your life insurance premiums? Your wallet and your body will only thank you in the long run. If you’re interested in life insurance quotes, feel free to visit ASJ Insurance & Financial Services Inc.’s Life Insurance website today for an instant quote:


Or, feel free to give them a call at 602-212-1048 or toll free 877-275-2201 to talk with a licensed professional to review your current coverage or consult about getting a new life insurance policy. You’re only a call or click away.



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