Are you hoping to find affordable instant life assurance quotes that match your budget? If you are looking to buy insurance to secure the finances of your loved ones, or to use it as an investment tool, then you need to be aware of some aspects that affects the price of the policy. Although some of these factors may be beyond your control, there are those that can be addressed ahead of time before you buy one.

Lifestyle

Do you have a smoking or drinking habit? If you are still in the phase of having a highly active nightlife, then you better make some tweaks to your current lifestyle. Insurers are not keen on giving low life assurance quotes to people who are smokers or regular alcohol drinkers. In fact, these individuals are considered as high risk ones because of their greater susceptibility to various ailments caused by alcohol and tobacco. It is not a surprise to anyone that these habits contribute to a wide range of diseases in the heart, lungs, and other vital organs of the body. So, if you want to get cheaper life insurance quotes, the best way to go is to improve your lifestyle right away.

Medical Background

Have you been seriously ill in the past? Do you have quite a number of congenital diseases? If your answer to these questions is a resounding “YES”, then you cannot expect to find the lowest life assurance quotes from any insurers. In fact, you may have to settle with average to high quotes for your policy, considering your less-than-perfect state of health. You will also have to submit a copy of your medical examinations to the insurer, which is bound for review before you are given a quote. In this case, your chances of getting the lowest rate is slim. While some companies may not require medical exams, you can bet that their rates are very high.

Your Age

Lastly, your age is taken into consideration when you buy life insurance. If you are under 50 years of age during the time you shop for life insurance policy, then you have a good shot at getting a reasonable quote from the insurer. Generally, older people that are over 50 years old have a low chance of getting cheap low assurance quotes from companies. This is due to the fact that they are more prone to suffer from health concerns, which is an issue that insurance companies do not want to deal with. The most important thing is to buy life insurance while you are young, particularly if you have dependents counting on you.