Jul
8
2009
Improving your health can improve your term life rate
Author: Byron UdellDid you know that by making small health improvements you can also improve your term life insurance rate?
Although health and lifestyle requirements vary from one company to the next, the rule is the same for all, “the healthier you are, the better your term life insurance rate.”
The following lifestyle changes will make a difference in the rate class you will qualify for, which is directly related to the premium you will pay:
- Quit smoking – Smokers pay significantly higher term life insurance rates than non-smokers. For better rates, some life insurance companies require that you be smoke-free for at least one year or longer.
- Lose weight – The few extra pounds that you’re holding onto may cause your life insurance company to quote you several extra dollars. Remember, weight also affects other health conditions, such as cholesterol, which if high, also sends life insurance companies into a frenzy!
- Reduce your alcohol consumption – Alcohol is processed by the liver and can cause liver enzymes to become elevated which will be detected by the medical exam. Be sure to limit your intake especially a few days before your medical exam.
- Relax – According to experts, taking a vacation can improve your health and lower your blood pressure. Who knew you could justify a week in Aruba!
If you follow these tips, you will be on your way to not only affordable life insurance, but a healthier lifestyle that will ensure you get to spend more time with your loved ones.
Be sure to compare life insurance rates with top-rated life insurance companies to ensure you get the best quote based on your health and lifestyle profile.
