For most people, shopping for life insurance probably does not rank near the top of their "fun things to do" list. In fact, it likely falls just ahead of filling out tax forms and just behind going to the dentist.
But choosing the right life insurance policy can make all the difference to your family's long-term financial security. Finding the right policy at the best price involves a little work on your part, says Richard Weber of the California Institute of Finance at California Lutheran University in Thousand Oaks.
But he adds that people who change to a healthier lifestyle can lower their rates. While few people would turn down a cheaper policy, the bottom-line price is not everything. It is important to choose stable companies that will be around for the long haul. Weber outlines his thoughts below.
Aside from shopping around for the lowest premium on term life insurance, what can consumers do to get the lowest quote? Are there lifestyle or health changes they can make?
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