Strategies
Lower your premium even further.
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Lowering your premium.
You can pay less for life insurance.
SureLI Coverage Designers are equipped with life insurance strategies to lower your premium as much as possible, regardless of your underwriting status.
Some clients are saving thousands of dollars with a reduction of 20%+ in premium.
Watch the video and read below to learn which strategy makes sense for you and your family.
Term Life Insurance Strategies
Single-Policy
One life insurance strategy we use is Single-Policy Coverage.
This is when someone chooses to purchase one policy for the entire amount of coverage and term length. This allows you to hit tiered pricing levels that discount the premium.
When using this strategy, you should look for a carrier that allows you to make changes to the death benefit as you grow your wealth.
When speaking with one of our Coverage Designers, they’ll explain which carriers to use for this strategy.
This strategy is best for:
- Those looking for smaller benefit amounts.
- Someone who isn't sure of when they can lower their benefit amounts.
- Someone who is uncertain of when to lower their benefit.
Laddering Policies
Laddering can be achieved by layering multiple, smaller policies with varying maturity dates, and is one of the most popular life insurance strategies used.
For example, instead of purchasing a $1 million policy for 30 years, you would buy two $500,000 policies for 20 and 30 years.
This allows you to lower your death benefit on a set schedule as you grow your wealth.
The will lower both your monthly and lifetime premiums.
This strategy is best for:
- Those looking for an overall higher benefit amount.
- Someone who has a good handle on the growth of their assets.
- Those who are comfortable with a set schedule of decreasing their benefit.
How it works?
.01
View your best quotes.
Since SureLI is independent, we instantly shop dozens of insurance carriers to find best best rate for you.
.02
Connect with a Coverage Designer.
Next, a Coverage Designer will verify information and use strategies to lower your premium even further.
.03
Sign and accept your new policy.
After you apply, you'll be able to review and accept your policy electronically to implement your coverage.
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