Plus4 Insurance - Richard Bradshaw, Hastings

You may be naturally inclined to exercise before heading off to a life insurance medical exam, so you may seem to be healthier. This may cause high blood pressure and give an inaccurate reading to the doctor.

A great tip to potentially save money on life insurance is to choose a term policy with a "conversion to permanent"¿ clause. This means you can switch this term insurance policy into a permanent one with no more medical exams. This can save you money if you have sudden health problems while your term insurance policy is still active.

You have a lot of options when it comes to the type of life insurance you will purchase. Depending on your age, your level of coverage needed and your budget, you will need to have your insurance agent or representative explain these to you in detail. Make sure to ask lots of questions, don't just take their word for it.