Life Insurance: Kill Two Birds in One Stone – Better Health, Lower Life Insurance Premiums
No one wants to pay more than is absolutely necessary on anything, but not everything is changeable. Fortunately, you don’t have to keep wondering how to lower your life insurance premium. Even if you have already received one quote, there are a few steps you can take to lead toward paying less per month for the same amount of coverage. You might be surprised by some of the following lifestyle changes that can turn into serious savings when it comes to your life insurance.
-
Lose Those Extra Pounds
You’ve had this on your New Year’s resolutions “to do” list for years but may have lacked the motivation to lose 10, 20 or more pounds. Now it’s time to look at a real motivator: lower out-of-pocket life insurance costs!
Most policies will want to know your height to weight ratio, which will reveal your BMI. A higher BMI, such as in the obese range above 30, could land you with a higher life insurance premium. Plus, it’s well-established that losing weight can improve your cholesterol and blood pressure levels. If you want lower blood pressure for your next life insurance test, it’s time to do something.
This is a great reason to start on that exercise program you’ve been putting off. Small changes, such as substituting fruits for sugary desserts as well as adding 30 minutes of aerobic activity a day, honestly can have a payoff you’ll notice in your bank account.
-
Stop Using Tobacco Products
Almost every smoker has tried to quit. Though it can be hard to stick with a smoking or tobacco-use cessation program, it’s worth making it a priority this year. Not only can you lower your life insurance premium rates by stopping cigarette and cigar smoking, as well as smokeless tobacco usage, but you can increase your life expectancy in the process. It’s another positive side effect of doing the right thing.
-
Take the Medications You Should
Finally, it’s important to listen to your physician and take all medications as needed. Whether they are for blood pressure or diabetes, those pharmaceuticals will assist you from a health perspective. Plus, they will assure any life insurance coverage carrier that you are someone who cares about his or her wellbeing and follows medical directives. The result? Lower cholesterol and blood pressure for your life insurance exam and thus lower premiums.
Looking to lower your life insurance premium? Contact Strock Insurance, Central PA’s best insurance provider, today to get a free life insurance estimate.
