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Backdated life insurance premiums are sometimes used to lower premiums on a policy.

Since an applicant's age is one of the factors used to calculate costs, it can help a person save on the cost of his or her coverage.

But there’s a cost to using this technique: You have to pay upfront all the monthly premiums back to the age change date.

But when we run the insurance illustration on June 1, 2011 (three months before her actual 34th birthday), the software says that she is 34 years old.

But if you can lock in a slightly lower rate for 20 years, that would save you money over time.

Once your policy is issued, your rate is locked in for your whole life or the duration of your term.

With a Whole Life plan, the savings would be $ 34/month (2 vs.

6) and the policy would be eligible for dividends three months sooner.




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