Question:

Is there a solution to the high cost of senior life insurance ?
A concerned couple from Dallas, TX

Answer:

I totally understand your concern and I am sure you are not the only couple who has been deterred from even attempting to apply for a policy there in Dallas.

The good news is that there is another option. A specific new life insurance for seniors has evolved over the past few years and it is called Premium Financing. It is not a new life insurance concept, but one that has come to the forefront recently. Some key factors can keep your cost down:

• Get In Shape. Just walking a few minutes a day will keep your heart rate up and actually allow you to maintain a higher energy level throughout the day. I would recommend walking in the earlier morning to start your day off right.

• If your a coffee drinker…make a conscious effort to drink one less cup a day and add a glass or two of water in its place. You will be amazed how much energy this will give you! Remember this can lower you rate when getting a new Term Life Insurance policy there in the Dallas area!

• Flax oil two table spoons a day has enormous amounts of Omega Nutrients and has been known to slow the aging process. This essential oil is good for you and enables your body to heal itself over time. It can assist in lowering cholesterol .I would see this as good prerequisite to getting a cheaper life Insurance policy in Dallas, Texas.

The life expectancy now days has increased and people are living longer so getting Level Term Life Insurance for 20 to 30 years would not be out of the question.

Good Luck

-Author