10 ways to save money on life insurance 2. Seek out low-load life insurance policies No-load or low-load permanent life insurance policies have fewer expenses built into them, such as agent commissions and fees, than other life insurance policies. For variable life insurance, these lower expenses mean a higher percentage of your premium goes to work for you right away, allowing you to build your cash value faster. Not many companies sell no-load or low-load policies. No-load policies can be purchased mainly through financial advisors who charge flat fees rather than collecting commissions from insurance companies. Those that sell no-load policies include Ameritas Advisor Services and TIAA-CREF. Also, these policies may not be available in all states.
Posted on: Mon, 17 Mar 2014 13:26:57 +0000
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