Many people assume that once you own a life insurance policy, you can't get credit for future improvements in your health. Good news: if your health or lifestyle improves down the road, you might be able to get a lower rate through a process called "reconsideration."

The best move is to secure the best coverage you can qualify for now, knowing you'll have the chance to try for a better rate down the road. Here's a short video that explains how it works.

To explore your options for life insurance, get an instant online life insurance quote.