Group life insurance rates are based on spreading the risk over a large number of people, therefore making it affordable for the unhealthy. If you can qualify for preferred rates why would you want to subsidize the unhealthy?
If you are healthy there is NOT a scenario that doesn’t make sense for you to opt out of your group life insurance plan. I would be happy to run a comparison and show the difference.
Now is your chance to save money while getting more.
Make the right choice during open enrollment with the life insurance plan that is right for you.
Tired of your life insurance rate increasing? See if you can lock in a fixed rate now!
Top 3 reasons why you should at least go through the process to see if you qualify: