Life insurance is a topic some people don't want to talk about, and a topic some just don't think about. If you fall into one of those categories, maybe it's because it seems you are paying for something you will never use. But, those you love can benefit greatly from it. Some people are worried about the cost of life insurance, but here are five tips on how to save on your policy.

1. Get healthy. Life insurance policies are basically betting that you won't die. So, if the company knows you are healthy, you may pay smaller premiums since the odds seem in their favor. That means don't smoke and live a healthy lifestyle.

1. Save money. If you continue putting money away for later, there might come a point where you know that you can reduce the amount of life insurance you need because it only needs to supplement your savings. 

1. Avoid risky behaviors. Know your driving record and think about your hobbies. People with marred driving records and/or people who participate in extreme sports or other risky hobbies are likely to pay more for life insurance.

1. Buy life insurance while you are young. Younger people are generally in good health, which can help lock in a lower rate as opposed to buying life insurance later on once a health problem sets in. 

1. Review your policy annually. Reviewing your policy with your independent agent can help determine if you can find a better deal elsewhere.

While you might not like thinking about life insurance, it's an important step in planning your family’s future. So, talk to your agent about these ways to save.

We’ll help you find the best deal on coverage. Call John L Sprague Agency at