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How To Decrease Your Insurance Premiums: Top 3 Suggestions For Keeping Premiums Down If you're one of those regular people who struggle to pay their life insurance premiums, you're most likely wondering how you can lower your premium payments. How to lower insurance premiums is an issue you really should ponder about because in most in most cases, people are actually overpaying their life insurance policy. So, do you think you're part of the overpaying bunch? Here are some tips to lower your premiums. Strengthen Your Physical condition Suppose that when you purchased a policy you were only able to qualify for a substandard rate because it was determined that your cholesterol level was higher than the life insurance company preferred. But after a few months your cholesterol level was regular. Most people think they cannot submit an application for a better rate, which is why they never do. If your health has improved over the last few months, speak with your insurance agent and ask,"Can you lower my insurance premiums?" The same is true for people who suffer other health conditions, like hypertension, etc. If you can demonstrate to the life insurance company that you've addressed the area of concern, and that you have been consistently healthy over time (usually six months to a year), there's a very good chance that you can lower your premiums. Extend Your Policy Lowering your premium can, however, take a bit of math since the price of life insurance is mainly relative to one's age. Suppose you are paying $35 a month for a policy with a face amount of $250,000. The term length is 20 years, and at the time of purchase you were 30 years of age. You've had the policy for 15 years when, at the age of 45 you decide to shop the market for life insurance again. It would fairly impossible that you can lower your premium this time since you are now 15 years older. You'll most likely pay a higher premium than your current term insurance. It's much more reasonable and more economical to extend your present term insurance by another 20 years because, chances are, you'll only be paying $10 more every month. Do away with The Riders You may want to think twice about getting policy riders. These add-ons can add up, and while they might seem attractive, in most cases you most likely won't need them. The odds of a rider paying out are typically quite slim, and the prices charged for them usually make them a bad deal. So if you have riders on your policy, cancel them, and if you are thinking about purchasing life insurance, avoid them. With a little bit of due diligence, you will find that it is not very difficult to how to lower insurance premiums! 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