California health and life insurance: Life and health insurance policies have similar factors that shape the rates you get. This is because your life is closely tied to your health and anything that jeopardizes your health also jeopardizes your life. Here are few things you can do to lower your life and health insurance rates...

1. Dangerous sports attract higher health and life insurance rates. If you really want to lower your health and life insurance rates then switch to safer sports.

2. You can pay higher California health and life insurance rates just because your occupation exposes you to many hazards. You'll get lower health insurance rate if you leave a hazardous occupation for something safe.

Since a clerk in a grocery shop is not exposed any health hazards like a nuclear plant worker, he or she would get much lower health insurance rates.

3. Smoking or using any tobacco product does just one thing to your California life or health insurance premium: Make it so high. Quitting smoking can lower your rates by as much as 50%. Yes, smokers pay at least twice as much as non-smokers for similar life and health insurance policies.

Beside the fact that you'll attract reduced life and health insurance quotes, you'll lead a healthier life if stop smoking.

4. The more overweight you are the higher your California health and life insurance rates. Losing weight will save you a lot in either your health or life insurance. And, don't wait until you can shed 25 pounds. Just losing a few pounds can move you into a lower rating and result in lower rates.

5. California health and life insurance: Get and compare quotes from five or more quotes sites. There are hundreds of life and health insurance carriers and each of them has a different rate for your profile. If you do very extensive shopping, you can save as much as 50% or more from your current life and health insurance policies. Therefore do this well.