Lower your premiums every year if you have paid down your mortgage by over 5%. Contact your Mortgage Broker to take advantage of this benefit.
Bundling coverage is a great way to save. You save when two applicants purchase life or life and critical illness, and when disability is purchased with life.
If you are a smoker, you are eligible to have your situation reviewed for a premium reduction if you have been smoke-free for 12 consecutive months.