Life insurance rates vary depending on one's health history. According to recent insuranceQuotes.com research, smokers normally pay more than 3 times for the same policy than non-smokers. Your overall health, age, occupation, and hobbies are also considered and can increase premiums. However, this does not mean you continue paying higher premiums or leave out insurance altogether.

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Here are four things insurance professionals recommend for those looking for the best rates of life insurance.

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Shop around

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Carefully compare different policies. Some providers charge smokers higher rates than other providers. You may utilize online aggregators to weigh up rates and plans or have an agent shop for insurance on your behalf. Every insurance carrier has their own method of determining rates, so try to get at least three quotes including rates from a leading carrier that provides coverage countrywide.

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Work out

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Healthy people usually get reduced life insurance rates. Kicking your smoking habit is your best chance to get a lower rate, even though different companies have different policies when it comes determining how long one must be smoke-free to be deemed a non-smoker.

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If you're denied or are paying higher life insurance rates than you anticipated, you can use this opportunity to improve your health. Once you do that, you may then get back to your provider and show them how your health has improved. If you quit smoking and already have life insurance, you should alert your insurance company and ask about getting a reduced premium.

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Sign up for a group policy

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Many company benefit programs provide life insurance without requiring one to take any medical tests or physical exam. While they normally limit how much you can withdraw, it's a great way to get insurance if you're unhealthy and can't afford the premiums. In many cases, joining an organization or association can often get you access to group life insurance. Look up million dollar life insurance options online to know more. 

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Review your insurance policy annually

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You have to review your policy yearly or whenever you go through a life-changing event such as a marriage, new child or divorce. Also ensure that your terms on beneficiaries are up-to-date and weigh your options, especially when it comes to term life insurance, so you get the least possible rate. You can also change your premium payment mode to save some money.

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When searching for insurance, use your common sense and be honest with your agent at all times. Carry out some research the different varieties of life insurance and compare all of them with an agent. If you're unsure, feel free to ask questions. It can be harder to get life insurance coverage as you age, so it's advised that you find one while you are still young. Also make sure to choose a policy you can afford. If you are looking for life insurance without medical, you can start searching online for the best options. 

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Head over to http://www.ehow.com/about_5367098_average-cost-life-insurance.html to know about the average cost of life insurance.