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Tips to Reducing Life Insurance Premiums Gardnerville NV

Life Insurance- How Can I Reduce My Costs. A life insurance guide illustrating ways to reduce the cost and save money on life insurance.

Mr. Ronald C. Rollo (RFC®), CLU
(702) 382-4961
2505 Anthem Village Dr.
Henderson, NV
Company
Rollo, Hodgman & Associates
Qualifications
Education: S
Years of Experience: 47
Membership
IARFC
Services
Invoice, Estate Planning, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, BuySell

Data Provided by:
Jeffrey Goldman
450 Hillside Drive #A107
Mesquite , NV
Company
Title: Financial Consultant
Company: Jeff Goldman
Type
Investment Advisor Rep: Yes
Education
Rensselaer Polytechnic Institute/Bachelor of Science
Years Experience
Years Experience: 6
Service
Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Life Settlements,IRA, 401k, Roth IRA, QDRO Rollovers,Alternative Investments,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Fee Only Portfolio Managem

Data Provided by:
Dale Ehrgott
890 Mill Street
Reno, NV
Company
Title: President/Broker
Company: Advanced Insurance Consulting
Years Experience
Years Experience: 20+
Service
Medicare Planning,Health Care Insurance,Retirement Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Disability Insurance,Annuities,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Retirement Income Distribution Planning,Medicaid,Life Insurance,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Estate Tax Planning,Asset Protection Strategies & Planning

Data Provided by:
Northwestern Mutual - Burt Clements
(775) 826-5155
36 Stewart St
Reno, NV
 
Insurance Services of Green Valley, Inc.-Randy Pazik
(702) 435-8610
305 N Pecos Rd Ste C
Henderson, NV
 
Timothy Bock
1635 Villiage Center Circle 140
Las Vegas, NV
Company
Title: President
Company: Summit Portfolio Management
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Education
Arizona State University Five
Years Experience
Years Experience: 27
Service
Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Captive Insurance,401k Rollover From Employer,CD Alternative,Disability Insurance,Retirement Planning,Real Estate Investment Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Pension for Highly Compensated Owners,Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Alternative Asset Class Planning,Invest

Data Provided by:
Corey Zimet
10620 So. Highlands Pkwy
LAs Vegas, NV
Company
Company: CBZ Retirement Solutions,LLC
Service
Asset Protection Strategies & Planning,Individual Income Tax Planning,High Yield Bank Accounts,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Health Care Insurance,Retirement Planning,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Business Income Tax Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Annuity Ideas & Strategy Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Pla

Data Provided by:
Jennifer Mitchell Insurance
(702) 309-9200
5550 S Ft Apache Rd Ste 101
Las Vegas, NV
 
Sierra Health and Life Insurance Company
(775) 824-9402
6880 S Mccarran Blvd
Reno, NV
 
Farmers Insurance Group
(702) 434-5050
4326 W Cheyenne Ave
North Las Vegas, NV
 
Data Provided by:

Tips to Reducing Life Insurance Premiums

Provided By: 

Reducing Life Insurance Costs

You can control your cost of life insurance to some extent. Here are some tried and true tips:

  1. Always get more than one quote for life insurance. Comparing prices is critical to getting the right life insurance at the right price. I recently got quotes on term life insurance for $250,000. Quotes ranged from about $40 a month to over $80 a month. This is a clear case for shopping around. But don't just buy on price - I compared life insurance companies with similar financial ratings (mostly by A.M. Best), and similar policies. Then, I bought life insurance based on the life insurance policy itself and it's price.
  2. Buy only the life insurance that you need. If you buy more life insurance than you need you will pay more for it - and the chances are in the life insurance company's favor. You are not likely going to collect on that policy. Your chance of being off work for more than 90 days is higher than your chances of dying between the ages of 40 and 64. Keep this in mind.
  1. Consider guaranteed renewal policies if you buy term life insurance . It will cost you a bit more initially, but you won't be paying higher premiums on every renewal.
  2. Buy life insurance while you are healthy. If you buy young you are at the lowest possible risk. If you buy life insurance after you have developed a serious health problem you have just become a bigger risk - and your life insurance premiums are likely to be higher.
  3. Don't smoke. Non-smokers get a discount on a life insurance policy.
  4. Keep a fit weight. If your weight changes substantially - either up or down - the life insurance company will take this as a bad sign. If you keep yourself fit and within a healthy weight range you will likely get a lower life insurance premium.
  5. Buy Group life insurance if you can. Group life insurance is virtually always cheaper than individual life insurance. Check out alumni groups from your college or university. There maybe other ...

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