Get In Shape To Save On Your Life Insurance

It is not a secret that your life insurance costs and even your approval are dependent on your health. Companies offer and price term life insurance based on the probability of you surviving through the term. A healthy person is deemed more likely to survive through this period. Because of this someone in good shape usually finds easier approval and more favorable rates. A person who is out of shape is considered a larger insurance risk. He or she will often discover higher rates and may even have more difficulty with approval.

There are elements of your overall health that remain out of control. For instance, high blood pressure may run in the family. However, there are many things you can do to seize control of your health to help you save money on life insurance.

Quit Smoking 

The health benefits of quitting smoking are well known. When you quit, you decrease your risk of heart disease and throat or lung cancer. Quitting will also help you save on life insurance. Non-smokers are seen as less of an insurance risk than smokers. You can apply for insurance as a non-smoker after being nicotine free for an entire year.

Maintain A Healthy Weight 

If you are overweight, you may discover that life insurance rates are higher and approval is more difficult to obtain. To find more favorable rates, you should try to lose weight and get into better physical shape. To do this, you need to sit down and create a strategy.

First, set clear and reasonable goals. Be realistic with your expectations. You’re not going to lose 100 pounds in month. If you set unrealistic goals, you are more likely to become discouraged and give up.
Second, make a game plan. You need to have road map for success. You should consult with your doctor before embarking on a weight loss program. He or she will be able to recommend a program that is right for you. You may also want to join a gym and speak with a personal trainer. A trainer will help you create a fitness routine that fits your current condition and puts you on the path to where you want to be. Once you begin to exercise it should become part of your routine.

Remember that diet and exercise work hand in hand. Cutting calories alone is often not enough for most people to lose weight, and if it does work it can lead to weight gain once the diet ends. Exercise is essential to keep the weight off and to improve general health. When it comes to your diet, focus on eating healthy, nutrient rich foods. Don’t starve yourself, but instead choose healthier food to fuel you.

But doing these things, you will find it much easier to find and obtain lower rate on life insurance. If you have any questions, give us a call at 800-301-8113 or visit goldcoastlifeinsurance.com if you simply want a quote.