Jellyfish Cupcakes Blog

You can bring down your costs considerably and get no load life insurance quote by downgrading the quality of coverage you enjoy. That’s NOT smart. I’ll share a safer way…

During a medical examination, a man told the medical examiner that he smoked a cigar about only once yearly to mark special moments. He thought that his insurance provider would appreciate that cigars for him were merely to mark great moments

His insurance provider had a different view and offered him the same rates as if he were a chain smoker He got a rate that was more than twice non-smokers’ rate

Usually everyone would accept their fate and the rates given once they believe the insurer in question is highly reputable He decided that he will NOT allow any insurer give him what he sees as an unfair rate that did not reflect the real position of things.

He wrote to his insurance provider requesting that they lower his rate to that of a non-smoker because he only used the cigar to mark special occassion probably once each year His position was eventually accepted by the insurance company and his rate was lowered by fifty percent.

Believe it or not, competition in the life insurance sector is stiff You can, and should, use this to your advantage any time you think you have a cogent reason that entitles you to paying less If you can show an insurer that you’re NOT as bad a risk as they thought you were, they can lower your rate.

So do NOT be afraid to bargain if you think you really do have a case And, while you’re encouraged to bargain, make sure you never disclose details that are less than true You can render your life insurance policy invalid if your insurer can show that you gave them wrong details about yourself