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Although common sense, it's important to mention.		Review your policy often. Do a review of your
Should your information be somehow incorrect during		life insurance policy a minimum of every three years, if
filing, your carrier may refuse benefits altogether (which		not more often. Rates may be lower, and your
is definitely not a way to save money).		circumstances may have changed, necessitating more or
		less protection. If you are replacing a policy, make sure
If you and your family are fortunate enough to enjoy		you allow enough time to get your new policy in place so
extended periods of great health, you may want to		coverages wont overlap or lapse.
choose a higher deductible. For example,
increasing it from $500 to $1,000 will significantly reduce		The right hobby with the wrong company could cost
your insurance premium.		you. People who participate in high-risk sports or
		activities (such as hang-gliding, skydiving, mountain
Research the various insurance plans, coverages and		climbing, scuba diving, and racing), or even those who
options. Find out which best suits you and your		like to have an occasional cigar could very well pay more
family. Don't buy more insurance than you need		money if they dont pick the right company. Every
(i.e. young married couple probably doesn't need serious		company looks at risk factors differently and some are
medical coverage other than pregnancy). Consult		more liberal in certain areas than others. Make sure you
an agent to answer any specific question pertaining to		work with an insurance company that has properly
you.		matched your personal profile with their underwriting
		criteria.


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Term life insurance is arguably the best investment in		Buy when you're young. Although your financial
todays financial arena. It brings peace of mind at an		needs may be lower at a younger age, the rates are also
affordable price; it is so important to protect yourself and		substantially cheaper when youre young. Remember,
your loved ones against any eventuality. Too many		the goal is to cover your primary assets (like your salary
people in the U.S. are not sufficiently protected with life		and house) so that if something were to happen to you,
insurance, and many do not realize that for just pennies a		your beneficiaries would be able to persevere financially.
day they can protect their family with term life insurance.		The best advice is to lock in as much protection at a
		young age while your health and prices are still good.
While many people in the U.S. remain completely
uninsured when it comes to life insurance, even more		Check for price breaks. Companies often offer
who are insured are underinsured. Many		"price breaks" at certain coverage amounts
consumers may own only half of the commonly		(i.e. $250,000 vs. $225,000). The truth is that many
recommended amount (6-10 times your annual salary).		people can actually pay less money for more coverage.
Now is the time to shop for term life insurance rates, and		Check how much or little your prices increase when you
think about purchasing a new policy. You may be able to		increase coverage to $250,000, $500,000, or $1,000,000.
afford more coverage than you think for low monthly
payments!

Durham Insurance
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