Improving Your Health for Lower Life Insurance Premiums
Posted on Fri, Feb 03, 2012
It's not surprising that people with healthy lifestyles and habits are eligible for the lowest life insurance premiums. But what factors will keep you from getting the lowest rates on your life insurance? Some of the top reasons are: smoking and nicotine use, excess weight, high blood pressure and chronic medical conditions. When you buy a life insurance policy, you are evaluated at the time of purchase, and your premium is set as a result of the company's determination of your health class or category. Four decisions to improve your health can reduce your life insurance premiums.
1. Live a smoke free life. If you smoke, here's one more reason to quit: if you quit and remain smoke-free for six months to a year, you could be eligible for lower life insurance premiums.
2. Maintain a healthy weight. If you can get into a healthy weight range, you will see life insurance premium improvement, too. Losing weight also helps to reduce the risk of chronic diseases like type 2 diabetes and hypertension.
3. Improve your diet. By now, many people have heard about how former President Bill Clinton stopped eating fried chicken, mashed potatoes and prime rib. The former president was only 58 years old, looking forward to a busy post-presidential life and schedule, when sudden chest tightness signaled heart disease and forced him to undergo quadruple bypass surgery. With a family background of heart disease, President Clinton chose to improve his health. You can also improve your health by maintaining a healthy diet.
4. Implement an exercise routine and adopt regular exercise habits. You do not have to start competing in Iron Man triathlons to adopt good exercise habits. Regular exercise can consist of walking, swimming, stair climbing or exercises incorporating flexibility, like yoga and pilates. Recent studies show that adults with the overall best health get 30-60 minutes of exercise daily.
In general, the healthiest people eat regular, nutritious meals, including healthy snacks like apples and modest amounts of nuts containing heart-healthy oils, are nonsmokers and limit alcohol intake. This isn't rocket science; it's just common sense that can improve your physical health and in turn, your financial health when you pay your life insurance premiums.
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