Try to get your blood pressure and cholesterol levels lowered before you have to take you physical exam for your new life insurance policy. 

All physical improvements to yourself will put you in a healthier bracket in the eyes of the insurance companies and thus lower your rates.

One quarter of the adults in the U.S. have higher than normal cholesterol levels.  Almost one third has above average blood pressure.  The sad part is that for a very high percentage of them, this is fixable. 

The ever improving medications are only one part of better health.  For some people, all it would take to lower their blood pressure and cholesterol is a little change in their lifestyle and diet.

Normal blood pressure is 130 over 85.  So how high does it have to get before an insurance company considers it 'too' high? 

If it is up to 140 over 90, this is usually not enough to raise your rates, but, if it's 140 over 90 combined with other health issues, like being over weight or slightly elevated cholesterol, this may be very well all they need to raise your life insurance rates. 

Check your medical records to see what your cholesterol and blood pressure were when you purchased any existing life insurance you may have. If you have lowered them since you purchased that policy, call your insurance company and let them know that you have lowered them. They may lower your rate. 

But don't go by your life insurance company’s judgment alone!  Click on the many adds on this site and get yourself 6 - 8 other life insurance quotes. You'll find that many times you will find lower rates than you are paying now.

Your existing insurance company may lower your rate some but they are assuming you are not shopping around and they will not lower it as much as a different company.  We have seen rates lowered by $50 - $100 per month by people who have improved their health.  Just a $50 deduction per month in your premiums on a 30 year term life policy can save you $15,000 in the total length of the term!  Think about that! 

What if you are recovering from cancer? There will be over a million and a half people stricken with cancer in this country this year! The good news is that a very high percent of them will beat the cancer. 

After you have beaten cancer, your life insurance will be quite high.  But the good news is that after time passes and you remain cancer free, your life insurance rates will go down. The longer you are cancer free, the more your rates should keep going down. 

This is even more reason to get life insurance quotes every year. Of course, not all rate drops will be the same. Just for the simple fact that not all cancers are the same. The more severe the cancer, the slower the life insurance rates will drop.

Although, each life insurance company looks at people recovering from cancer differently. This is why you must get a lot of quotes from a lot of different life insurance companies and continue to do this every year or so. Like we said above, a little savings in your premiums each month can really add up over the years!