If your organization offers life insurance benefits, now's the time to start looking into new vendors. Reason: Premiums could decline up to 30 percent nationwide over the next few years, according to the American Academy of Actuaries. That's because state regulators have revised mortality tables as people live longer. Regulators require insurers to pass savings along to consumers. Texas, for example, has already adopted new tables that cut some premiums by 25 percent. Compare rates online at sites such as www.insweb.com, www.insurance.com and www.insure.com.