For most people, life insurance is there to lift a financial weight off your shoulders. It will pay out a fixed sum if you were to die, meaning your family wouldn't have to struggle when you pass away. This assurance comes at a cost, and many factors effect how much your policy is going to be, including your age, sex, weight and even your diet. To get a lower quote on your life insurance, then follow these helpful tips.

Some people are offered and take a joint term life insurance policy out with their partner, but you are advised against this. When you take out one you will pay a lower premium than two single policies, but if the worst should happen and both of you die, then only the amount for a single policy will be paid out to the beneficiary. If you however, chose to take out two single policies, which would pay out double the amount on your death, then this is only slightly more than the amount you would pay on the double policy.

Change the lifestyle Changing your lifestyle can be positive for the price of your term life insurance policy, especially if you are a smoker. As a smoker who wants to take out a cheap term life insurance policy, then you should be ready to pay a far higher price than that of a non-smoker - who will be less prone to lung cancer and other diseases. The best course of action will be for you top give up smoking and will make a difference to the price of your premium once you have given it up for at least one year.

If you are overweight then you too should look to lose some of the extra pounds. Insurance companies tend to charge extra for people who are obese as they are more likely to develop illnesses related to such ill health and obesity. You should be aware that your risks to a number of diseases and cancer increase as you put on weight. By losing any extra weight you will be reducing your premium by around 30%, which will be a huge benefit to not only your wallet, but also your selfconsidence.

Change your diet In the past year, insurance providers have started to charge vegetarians up to 6% less on their policy than those who eat meat. Even if you are of a healthy weight, eating too much red meat is related to strokes, and general meat-eating is related to becoming overweight or obese. Vegetarians are on average more slim than meat-eaters, and are far more likely to eat a variety of fruit and vegetables in their diet, therefore are less likely to become obese. This may seem like an extreme change of lifestyle, but could prove to reduce your life insurance policy and better your health.

Get more sleep It has been proven in the past that people who sleep more (well, at least 7 or 8 hours of sleep a night) feel more refreshed throughout the day and will be able to work harder and live loinger throughout their life. Whilst you wont be able to help this directly affect and influence the term life insurance quote that you are given, you will be able to show better signs of health by lowering your blood pressure and stress levels, meaning you are more likely to lower your stress levels.

Look at your career Certain careers paths can seem more risky to providers, for example, jobs which create more stress are more likely to create a higher premiums. A change in career is certainly extreme just to lower a life insurance quote, but may be one of the factors which are causing your premium to be higher than the average.

Changing only a few of the above suggestions will help you get some of the cheapest term life insurance quotes that are available on the market and are they key factors that any term life insurance company will base their decision and price of premium on.