While coupons and super-savers help out in an ever-cost-cutting world, you don't want to skimp out on your life insurance. If you can't afford to spend a lot on life insurance, here are a few tips to help save money with a cheap life insurance policy:

- Buy as early as possible. The younger the better on getting good rates.

- Select the proper length of coverage when buy term insurance. Discuss the rate and time period with your agent.

- Hazardous jobs and pastimes can affect your insurance rates. High risk jobs and dangerous hobbies can raise your premiums.

- Review all of your billing options. Certain billing alternatives such as paying monthly or yearly can help lower your payments.

- Review your policy often to make sure there are no new products or lower cost insurance options available for the same benefits.

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