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Rhode Island Life Insurance

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Choose the Right Rhode Island Life Insurance to Protect Your Loved Ones

While the average life expectancy in the smallest U.S. state is 79.3 years of age, each year thousands die between the ages of 55 and 64. When someone dies at an early age, often family is left unprepared, both emotionally and financially. By choosing the right Rhode Island life insurance plan, you can help ensure the safety of your family if something should happen to you.

Free Look Provision

If you purchase Life Insurance Rhode Island has a provision in every life insurance policy that allows you to change your mind within the first ten days. During those ten days, Rhode Islanders are allowed to review a policy and make a determination as to whether or not they wish to stay with that policy. If they decide to cancel, all payments are to be reimbursed with no future obligations.

Some companies offer twenty- or thirty-day free look periods, so check on this when choosing between life insurance providers.

Death Benefit Processing

In Rhode Island, laws are in place to prevent the delay of processing your death. If you have all your documentation in place, the insurance company has sixty days to get your benefits to you. If not, interest will begin to accrue.

Even if an accidental death occurs within the first two years of your RI life insurance policy going into effect, you'll be covered. However, suicide is not covered until a policy has been in effect for more than two years in Rhode Island.

Getting the Best Rates

With life insurance, obviously the younger you are when you seek coverage, the better your rates will be. Whatever your age, though, you can get the best deal by being in optimum health. Your life insurance provider will take your medical history and lifestyle into account, determining your health risks based on these factors. You may even be required to undergo a physical examination.

To get the best possible rates, try to live as healthy a lifestyle as possible. Quit smoking and limit alcohol intake. Consider taking up an exercise routine and alter your diet to make it as healthy as possible. Little changes can make a big difference in your premiums.

By maintaining a healthy lifestyle and comparison shopping for the best rates, you can pay low premiums for life insurance RI. Rhode Island does has its own insurance laws, so be sure you understand your rights before committing to a policy.