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Life, health, and disability insurance protect you, your body, your wellness, and your livelihood.  This range of coverage includes some of the most essential protections. Too often, people ask the wrong questions.  This leads them to draw the wrong conclusions about life, health, and disability insurance.   As a result, many remain drastically underinsured or forgo the protection altogether.  Without maximum life, health, and disability insurance, you leave the things that matter most, exposed to the highest risk.Asking how to save money on your life, health, and disability insurance is the wrong place to start. First, you want to best protect what's most important to you.  You get the maximum security and protection by securing the best possible, longest lasting, highest quality coverage.  After you find the best coverage, then you can use smart shopping strategies to lower your costs.

Here’s straight talk about how to get the best insurance and make every dollar you spend in premium count.

Table of contentsThe Whole Series on InsuranceIn This ArticleWhere Insurance Fits into Your Whole Personal EconomyThe Universe of YouSaving Money on Life, Health, and Disability Insurance: An Oxymoron?No Time Like the PresentHow Much Life, Health, and Disability Insurance Do You Want?The Cost of Not Going BackwardsHealth InsuranceThe Rising CostsUnderstanding Your Health Insurance CoverageHow to Save Premium on Your Health Insurance#1) Consider Group Insurance#2) Pay Out-Of-Pocket for the Small Stuff#3) Count All Your Costs#4) Raise Your Deductible#5) Consider an HSA#6) Narrow Your Network#7) Consider an Alternative with Caution#8) Don’t Rely on SubsidiesDisability InsuranceThe Risk of DisabilityYour Income Is Your ResponsibilityDisability Insurance Handles the Immediate and Extended Impacts of Losing IncomeIf Your Income Source Is Businesses and Real Estate, You Still Need Disability InsuranceUnderstanding Your Disability InsuranceKeys to Getting the Best Disability Income Insurance at the Least Cost#1) Increase Your Elimination Period#2) Ensure You Have True Own-Occupation Coverage#3) Own It Personally#4) Get as Much as You CanLife InsuranceThe Value of the Death BenefitUnderstanding Your Life Insurance OptionsTerm Life InsuranceThe Odds Are Not in Your (Financial) FavorTerm Becomes More Expensive at RenewalBetting Against Death Doesn’t Make Financial SenseWhole Life InsuranceThe Odds Are in Your FavorThe Extra Component: Living BenefitsGuarantees, Not BetsIs Whole Life More Expensive?Keys to Getting the Best Life Insurance for the Least Cost#1) Ensure Your Life Insurance Isn’t Just a Cost#2) Start with Whole Life Insurance and Supplement with Term InsuranceInsure Your Full Human Life Value#3) Maximize Convertible Term Life Insurance#4) Start As Soon As PossibleThe Bottom LineThe Whole Series on Insurance ProtectionGet the Best Quality, Highest Value Insurance Today

The Whole Series on Insurance

In the last five articles, we’ve outlined an insurance philosophy and buying guide to put you in control.

Why You Want Insurance Part 1 examined what insurance does. It transfers risk.Why You Want Insurance Part 2 discussed why it matters. It protects your greatest asset.Why You Want Insurance Part 3 covered the cost and answered why you should pay for insurance. It costs more to self-insure.How to Shop for Insurance Part 1 outlined the seven tips to save the most money when shopping for insurance in general.How to Shop for Insurance Part 2 gave guidance on buying home, auto, and business insurance.

In This Article

Today, we’re capping off the series by focusing on life, disability, and health insurance.

We’ll show you how to secure the best life, health, and disability insurance coverage and be efficient with your premium costs.  We’ll answer:

How do I best protect what matters most? How do I get the highest quality life, health, and disability insurance? Then,