Next Steps

How Can I Get A Lower Life Insurance Quote?

Sticking to your budget and still getting the best life insurance coverage possible is very important. Learn about the ways you can get a lower premium and still have great coverage.

Life Insurance Quotes

Getting a lower life insurance quote

How Can I Get A Lower Life Insurance Quote?

If you're shopping for life insurance, it makes sense that you'll want to find the very best coverage at a price you can comfortably fit into your monthly budget. After all, you could be paying premiums on your new policy for many years - if not decades - to come.

Fortunately, there are ways you can get a lower life insurance quote by:

  • Purchasing a policy early - when you're young.  The fact is, the younger you are the less you'll pay for life insurance. Of course, that doesn't mean that you can't get an affordable life insurance policy as an adult or as you get older, but that you'll pay a lot less by purchasing a policy today versus later in life.

    Protective tip: Secure a life insurance policy early in life - don't wait!

  • Adopting healthier habits.  From the standpoint of the life insurance company, the healthier you are, the longer you are likely to live. Therefore, you'll find that life insurance premiums are lower for individuals who have good habits that allow them to maintain a healthy weight, a safe blood pressure, and normal cholesterol levels. Healthy habits also include avoiding all types of nicotine products, as smokers typically pay 100 to 300 percent higher term life insurance rates than a nonsmoker.1

    Protective tip: Be prepared for your life insurance medical exam by following any instructions (from your agent, insurer, or medical examiner) that may include fasting for up to 24 hours.

  • Get quotes from reputable carriers.  As with any long-term buying decision, it pays to shop around. Today, you have the option of shopping for lower life insurance quotes online, on the telephone, or at a local agent's office. But don't just compare numbers. It is important to factor in the financial stability and ratings of the carriers you are evaluating.

    Protective tip: Obtain quotes from reputable life insurance companies who have a longstanding industry reputation and a positive consumer rating. Visit Protective's Learning Center to learn more about evaluating the financial strength of a life insurance company.

Read more about how to shop for lower life insurance rates online in our learning center.


Was this article helpful?

All Learning Center articles are general summaries that can be used when considering your financial future at various life stages. The information presented is for educational purposes and is meant to supplement other information specific to your situation. It is not intended as investment advice and does not necessarily represent the opinion of Protective Life or its subsidiaries.

Learning Center articles may describe services and financial products not offered by Protective Life or its subsidiaries. Descriptions of financial products contained in Learning Center articles are not intended to represent those offered by Protective Life or its subsidiaries.

Neither Protective Life nor its representatives offer legal or tax advice. We encourage you to consult with your financial adviser and legal or tax adviser regarding your individual situations before making investment, social security, retirement planning, and tax‐related decisions. For information about Protective Life and its products and services, visit

Companies and organizations linked from Learning Center articles have no affiliation with Protective Life or its subsidiaries.