To save on life insurance, it is best to remember there aren’t really discounts associated with a life insurance policy, just lifestyle changes you can make. By comparing multiple life insurance companies, choosing shorter terms, term vs. whole life, lower coverage and when you lock in your rates can all have substantial impacts on your rates. Some additional consideration can be made to how you pay. Your rates will likely be discounted by paying yearly instead of monthly. The best option is to speak with a local independent agent like Life Insurance Advisor in Lafayette. Our agency can shop multiple insurance carriers instead of just one like some others.