• Do a trial application on a COD basis.
• Increase your height when the insurance company rep comes out for your medical exam.
• Life insurance quotes may be inaccurate.
• Life insurance policies aren't negotiable (without leverage - see below).
• Buy term for life insurance needs within a 30 year timeframe.
• Buy whole life insurance needs for a longer than 30 year timeframe.
• Create leverage by applying with two carriers.
• Avoid captive life agents.More...

Things to AVOID the below the day before your life insurance exam, so you qualify for a lower rate:

• Stress of any kind. It can cause artificially high blood pressure and pulse readings.
• All forms of caffeine beverages including cola. (Same reason. Tobacco and caffeine, like alcohol, can cause artificially high blood pressure and pulse readings.)
• All foods high in salt content. Read the labels on any frozen or packaged food before you eat them.
• Eating eggs and all other high cholesterol foods at least a day, or even two days, before your exam. More...

Some unethical agents sometimes use your current age rather than (correctly) using your nearest birthday birth date to determine your insurance age. This can produce lower rates than all the other honest agents, even when quoting the same carriers. Once you get approved, the rate could be higher since the life insurance company rates you at your proper age. More...

• Do not accept any documents that have not been completely filled in and signed in your presence.
• Calculate if the benefits are paid out right away or on a graduated or graded basis based on how long you live.
• Make sure you receive at least one statement each year detailing the status of your account.
• Find out your state's laws on pre-need insurance. More...