Average Height For 5 Year Old Female latest 2023

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Nearly 30 Ways to Save on Life Insurance

There are many articles helping with life insurance advice, but most of the time, only a few tips can be found there. Wouldn’t it be great to have all these saving tips and tricks in one place? We have created such a list for life insurance! This list is the most comprehensive overview of all life insurance savings opportunities in Canada and was created after extensive discussions with numerous insurance brokers. If you find this list useful, bookmark it and share it with others! So let’s get started!

1. Age: Buy the policy when you’re young and your premiums will be lower.

2. Round off your age wisely: If you decide to take out a life insurance policy, make sure your age is rounded down and not up, i.e. if you are going to be 30 on December 31, take out the policy in the first 6 months of the year where your age is always rounded to 29 and not to 30.

3. Good health: If you are in good health and have a good build (weight to height ratio) when you take out a life insurance policy, insurers will reward you with lower premiums.

4. Non-smokers: Quit smoking well in advance (at least a year) before taking out a policy – otherwise your premiums will double.

5. Good driving record: Make sure you have a good driving record before you apply – a bad driving record is punished by the life insurance provider (like car insurers) – your premiums will increase by 25-50%.

6. Sex: Female policyholders pay on average 25% less than male policyholders. Changing gender won’t really help – insurers take into account the gender you were born with.

7. No Depression: Mental health matters – those with a history of depression pay between 50% and 200% more.

8. Family history: Having a healthy family with no serious illnesses lowers your life insurance premiums because you are less likely to face serious illness. Known serious problems in your family’s medical history can increase premiums by 50% to 250%.

9. Your medical history: Having a healthy medical history in the past (not equal to current good health at the time of application) has an impact on your health insurance. If you have had serious problems, certain potential illnesses may be excluded from your coverage.

10. No excessive alcohol consumption: If you don’t have alcohol problems, you may be eligible for reduced insurance rates – otherwise your premiums may increase by up to 50%. A heavy drinker would be considered someone who drinks 3-4 beers a day.

11. Term instead of other types of insurance: Choose term insurance products instead of, for example, universal life. The former is a pure insurance product while the latter represents a combination of life insurance and investment product and often costs more.

12. Get in shape: If you already have a life insurance contract and you are in good shape compared to your state at the time of subscription (for example spending hours in a gym), you can request a review of your premiums. life insurance.

13. Driving offenses that come out of your record: If your driving record has improved while you have a life insurance policy, you can review your premiums with your insurer and have them reduced (the typical time for minor violations to disappear from your driving record is 3 years)

14. Quit smoking: If you have a policy that you took out when you were a smoker, quitting smoking and showing your insurer that you haven’t been there for at least 1 year will reduce your insurance premiums. Smokers usually pay double the amount of premiums!

15. Stop drinking: Similar story with alcohol – demonstrate that you haven’t had a drink for 1 year and this will be reflected in your adjusted premiums for an existing life insurance policy.

16. Group life insurance: Group life insurance can be an alternative to your personal life insurance if your employer provides sufficient coverage – at least you are protected as long as you work for the company.

17. Employees/union members: Some companies offer discounts to union members (e.g. IBM Canada or Research in Motion)

18. Ditch unnecessary extra blankets: Check the additional riders offered with a life insurance policy to decide if you need them, e.g. Accidental Death Benefit (higher payouts in the event of death from an accident), Term Conversion Rider (at if you want to convert your universal policy to term insurance)

19. Avoid Guaranteed Issue Life Insurance Policies: Healthy people don’t need a guaranteed issue life insurance policy (these are policies that don’t require a medical exam but cost more) – get a health check/ review and enjoy lower life insurance premiums.

20. Professional Membership: Are you a member of a professional organization (eg Certified Management Accountants of Canada or the Air Canada Pilots Association)? Then some insurance companies offer you a discount.

21. One policy for you and your spouse: You can take out one policy for you and your spouse – it will often be cheaper than two individual life insurance policies (also called multi-life policies)

22. Adjust the coverage amount: Make sure you don’t buy more (but not less) insurance coverage than you need: maybe $1,000,000 is enough? Ask yourself and your insurance advisor if you really need $2,000,000?

23. Less risky jobs: Not being involved in dangerous jobs like a member of the police bomb squad will help avoid extra insurance premiums.

24. Shop: Search, compare and switch insurance companies. There are many insurers and their quotes for the same policies can be very different, so use multiple online tools and talk to multiple brokers since each will cover a limited number of insurance companies.

25. Elders: Graduates of certain Canadian universities (eg University of Toronto, McGill University) may be eligible for a discount with certain insurance providers.

26. Annual or monthly payments: Compared to monthly payments, annual payments save insurers administrative costs (e.g. sending invoices) and therefore reward you with lower premiums.

27. Welcome discount: Some insurers offer a so-called welcome discount!

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