. You will need to revise your insurance plan as things change in your life and you get older. Changes in marital status, having children, or reaching retirement age are all reasons to review your plan and make adjustments.
Make sure to get quotes on different levels of policies. Many insurance companies offer breaks at different levels of coverage that could wind up saving you money. Just because you've decided that 175,000 is all the coverage you need, doesn't mean you shouldn't get quoted on other levels just in case.
While filling out the application, you should be honest about any occupational hazards or extreme hobbies that might be classified as risky. While you may end up paying more money, you can avoid the hassle of becoming ineligible for full coverage as a result of your failure to disclose this information. It's thought of as fraud if you withhold this information, and it carries very large legal penalties.
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