Being Healthy Can Save You Money on Life Insurance

Being Healthy Can Save You Money on Life InsuranceToday’s society is consumed with health and wellness. Anytime we pick up a magazine or log on to our social media, we are bombarded by the latest and greatest workouts, diets, and foods that promise good health.

But why strive for good health?

There are many great reasons to be healthy.

There’s the obvious; we want to look good.  Yes, working out and eating right can help you to look and feel good.

Maintaining good health reduces your risk for heart disease, stroke, Type 2 diabetes, and some types of cancer.

To feel energized.  It’s true, working out can give you more energy.  The endorphins that are produced from exercise not only make you happy, but also give you an energy boost.

To be a good role model for our children.  We want our children to live happy, healthy and active lives and we must lead by example.

To save money on life insurance.  Yes, the better health you have, the more you can save on life insurance.

Protecting your family and their financial future is a must and it doesn’t need to be hard on the pocket book.  A healthy lifestyle can help keep your life insurance rates low, premiums affordable, and give you peace of mind for you and your family.

Heart disease, diabetes, cancer, obesity, and pulmonary disease are some of the medical conditions that can increase your life insurance premiums.  You don’t have control over all health issues, but practicing good health habits and behaviors can reduce your risk.

By following The American Heart Association’s Life’s Simple 7 you will be on your way to a long, productive healthy life and more affordable life insurance premiums.

Get active.  Move your body 150 minutes per week and you not only feel better, you will increase your length and quality of life.

Control cholesterol.  High cholesterol leads to plaque buildup in the arteries which puts you at risk for heart disease and stroke.

Eat better.  Eating well to maintain a healthy weight is one of the most important things you can do to lower your risk for Type 2 diabetes and heart disease.  When you eat a heart-healthy diet, you improve your chances for feeling good and staying healthy.

Don’t smoke.  It’s no secret that smoking is bad for your health, but it’s also bad for your life insurance premium.  A smoker will pay more for life insurance than a non-smoker.  Depending on the insurance carrier, most types of tobacco product use will increase your rates.  Quitting smoking will improve your health and save you money.

Lose weight. Your weight is a factor when calculating premiums for life insurance.  Being overweight can lead to high cholesterol, high blood pressure, diabetes, stroke, and put you at higher risk for heart attacks.  By losing a few pounds you will improve your energy and may pay less for your insurance premium.

Reduce Blood Sugar.  Most of the food we consume is turned into blood sugar.  We, in turn, use this for energy.  While we need that energy, there can be too much.  Over time, high levels of blood sugar can put you at risk for heart disease and stroke.

Manage Blood Pressure.  High blood pressure is another risk factor for heart disease and stroke.  Keeping your blood pressure within healthy ranges can reduce the strain on your heart, arteries, and kidneys which keeps you healthy longer.

Maintaining a healthy lifestyle does take effort, but there are countless rewards that go along with it. Saving money and living longer are just two important benefits that you will enjoy.  Curious about how much term life insurance would cost you?  Quotacy offers free and instant quotes with the freedom to window shop without giving away personal contact information.  We will only need this information once you decide to apply.  It doesn’t hurt to look, and term life insurance is affordable peace of mind.

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