Get a Life Insurance That is Not Expensive If you have dependants, getting appropriate life cover in place should feature pretty high on the financial priority list. If you don't receive this benefit from your employer, contact an independent financial adviser. If you already have life insurance, use the new year to get going and see if you can get a cheaper equivalent deal. The difference between the cheapest and most expensive deals can be significant, so check if you can get your policy at a cheaper rate.