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One way to get cheap life insurance in New Hampshire or anywhere else is to buy your life insurance today rather than tomorrow.
This is a slight exaggeration, obviously, but with each birthday that passes you will find your life insurance premiums getting higher and higher. The reason is obvious - the older you are when you buy your life insurance the fewer number of years you will be around to pay premiums [link widoczny dla zalogowanych] and the more it will cost the insurance company when you finally do pass on.
So let's assume that you have decided that you do want to purchase life insurance before [link widoczny dla zalogowanych] your next birthday. The question still [link widoczny dla zalogowanych] remains, which type of life insurance policy do you want? Whole Life? Or Term Life?
At first glance term life may seem like the best deal. Why? Because initially [link widoczny dla zalogowanych] a term life policy will have a lower [link widoczny dla zalogowanych] monthly premium than a same-size whole life policy. However, the start-premium is not the whole story.
Keep in mind that the reason a term life policy is called a "term" policy is that the policy has a limited life - or a [link widoczny dla zalogowanych] term. Once the term of the policy runs [link widoczny dla zalogowanych] out a term life policy expires. If you want to continue enjoying life insurance protection you must buy a new policy - at a much higher monthly premium than your previous policy.
A whole life policy, on the other hand, starts out costing a bit more each month, but a whole life policy is good for your whole [link widoczny dla zalogowanych] life, and the premium you pay on the day you buy your policy is the same premium you pay until the day you die. In addition, unlike a term policy, [link widoczny dla zalogowanych] a whole life policy builds up a cash value over time that you [link widoczny dla zalogowanych] can borrow against with no need to ever repay the loan if you so choose.
Regardless of whether you choose to purchase a term policy or a whole life policy, there are decisions you can make that will keep your monthly payments as low as possible.
Smoking, for example. Non-smokers pay considerably less for life insurance than do smokers. And don't think you can lie about smoking and get a better rate; if smoking is proved to have contributed in any significant way to your death and you claimed you were a non-smoker, your life insurance policy may not pay off at all, or may pay to a considerably lesser degree.
If you are over-weight you will also pay more for your life insurance; the premiums of virtually all life insurance policies are based, in part, on your Body Mass Index, [link widoczny dla zalogowanych] or BMI. The lower your index the lower your monthly payment. Losing even a little weight could, conceivably, place you in a better category and lower your monthly payments for years to come.
Driving fast cars, participating in dangerous or [link widoczny dla zalogowanych] extreme sports, holding down a dangerous job...each of these things can also increase your monthly life insurance premiums for [link widoczny dla zalogowanych] obvious reasons.
Once you have taken all the steps you can in order to keep the cost of your premium low, it is then time to go online and find three different websites that allow you [link widoczny dla zalogowanych] to compare life insurance policies from different companies side-by-side.
Take the time to fill out the forms on at least three different sites. In this way you can be more certain that you will actually be comparing all of the life insurance companies operating in New Hampshire and you can rest easy at night knowing that [link widoczny dla zalogowanych] you took all the right steps to get cheap life insurance here in New Hampshire.