There are different types of life insurance available, and a choice of levels of cover depending on your needs and circumstances. The cost of life insurance can vary based on factors such as the level of cover taken, your age, your medical history, your gender, and your lifestyle. There are a number of steps that you can take to try and keep life insurance premiums down:

1. Assign up smoking. If you are a smoker you will be classed as a high risk customer to a life insurance policy, as the chances of contracting a life threatening disease, such as cancer, are vastly increased. By giving up smoking for at least twelve consecutive months you could enjoy a healthier lifestyle, save a fortune on the cost of cigarettes, increase your life expectancy, and reduce your life insurance premiums.

2. Rotating veggie could help! Although vegetarianism is not something that all life insurance companies take into account when setting your premiums, there is now life insurance available that offers reduced rates to those that are vegetarian or that eat only fish.

3. Make sure you compare a number of policies. Cutting the cost of your insurance cover isn’t all about your personal circumstances and lifestyle.

4. Choose the most affordable policy. For instance, term life insurance cover will be cheaper than whole of life insurance covering.

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