To lower your insurance premiums, consider these tips: compare prices, increase deductibles, bundle policies, maintain good credit, review coverage limits, improve safety measures, drive responsibly, seek discounts, and review/update your policy regularly. Also, look into usage-based or pay-as-you-go options. Remember to balance affordability with comprehensive coverage and talk with an insurance professional.

Annuities are considered to be relatively safe investments, as they are issued by insurance companies and are typically guaranteed by state insurance guarantees associations. However, the return on investment for annuities can vary depending on the type of annuity and the performance of the underlying investments.

No, there are no age limits for purchasing final expense insurance, as long as the policy is still in force at the time of death.

Some term life insurance policies allow extending coverage after the initial term or converting it into a permanent life insurance policy without requiring a medical examination. Nevertheless, the terms and conditions for renewal or conversion differ depending on the insurance provider and the specific policy.

There are certain insurance policies for final expenses that require minimal underwriting procedures, which means that you generally don't have to undergo a medical examination. Instead, you may need to answer a few health-related questions or provide information about your medical history. This streamlined process makes it easier and faster to obtain coverage approval.