5 health changes you can make this year...

... that also affect your life insurance rates

The beginning of the year often means that you’ve decided to make a few changes to your health habits. But did you know that these changes may sometimes affect the price you pay for protecting your loved ones? When you apply for life insurance, insurance companies may consider your health, daily living habits and other factors that affect your life expectancy. The more at risk you appear, the more you pay for a policy. Here’s a list of 5 things you can do for your health that can help you get the best life insurance rates possible.

1.      Get your high blood pressure under control.

Follow your doctor’s advice around habits like reducing your salt intake and reducing stress. Your premiums will likely be less than what you would pay if you let your high blood pressure go untreated.

2.      Lower your cholesterol.

As with high blood pressure, if you take steps to control your cholesterol, the better your chances of the insurance company giving you your best insurance rates. Bad cholesterol can be lowered by taking prescribed medications and with exercise and a low-fat, high-fiber diet.

3.      Quit smoking—for good.

Rates for tobacco users are significantly higher than rates for people who don’t use tobacco. Some life insurance companies will consider you a non-tobacco user one year after quitting. So the sooner you quit, the sooner you can get a life insurance policy without the tobacco user premium rates.

4.      Manage your weight.

Carrying a little extra baggage around your middle might mean that you pay a little bit more for your life insurance premiums. Life insurance companies give the best rates to people within the normal height-weight ratio, so if you were to lose those extra pounds, you could get a more affordable policy.

5.      Go to the doctor.

Having great health habits begins with being aware of your health. Visiting your doctor regularly is a sign that your are aware of and trying to stay in control of your health, which to an insurance company means that you are more likely to live a longer and healthier life.

So if you are taking measures to be in the best health possible, it is likely that a life insurance company will reward you by giving you the most affordable rate possible, which may make it easier for you to give your family the protection that they need. 

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