Be your own advocate
Blended life insurance hasn't been enormously popular with insurance brokers because the lower annual premiums mean smaller commissions. Still, many insurance companies offer blended life insurance, so make sure to ask about it.
Pinkston recommends talking with several insurance agents, and with fee-only financial planners, who don't collect commissions.
"The only money they make is the money you pay them," he says. "They don't have an incentive to blend or not to blend your policy. The only incentive is to help you make the right choice."