Stay Healthy and Keep your Insurance Premiums Down



Stay healthy, so you can switch plans. All health insurance plans
have rate increases, and you have even seen premiums jump on some
HSA plans. If a rate increase happens to you, you can switch to a
different insurance company – but only if you pass their
underwriting requirements. If chronic disease develops, you may be
stuck with your current plan, and its accompanying rate increases,
for eternity. Or at least it may seem that long. If you pay
attention to the pharmaceutical commercials, you learn lifestyle
really has nothing to do with disease, and it is natural and
healthy to be on many medications for the rest of your life, which
will then solve your health problems. If you pay attention to the
science, you know the truth is quite different. It appears
lifestyle is probably 95% of the picture, and you know the
occurrence of degenerative disease can be dramatically reduced and
even prevented.

Fortunately, many customers are interested in wellness, and disease
prevention. After all, they’re paying for their own doctor visits
if they do get sick. It is because HSA owners are “forward
thinking” people, and like to plan for their future – both
financial and physical. You can improve your odds of excellent
health with just a few key habits: Eat very high quantities of
fresh vegetables and fruits. Shoot for 35% of your calories. This
will lower your risk for diabetes, high blood pressure, heart
disease, cancer, and more. Limit your intake of sugar and starchy
carbohydrates like bread and pasta. The majority of health problems
in the U.S. are related to metabolic diseases that involve insulin
resistance. Exercise and lift weights. Exercise guru Jack La Lanne
just turned 92 on September 26, and he says if you have muscles you
never feel old.

Life Quote Is About Life. Better Health Means Lower Insurance
Rates. Most people get nervous about their health and how it can
affect their insurance rates. Your health is key in how much you’ll
pay for Life Insurance.

Life Insurance Facts:

Cigarette smokers pay at least double the premium for life
insurance than non-smokers. People, who are overweight, have high
blood pressure or high cholesterol could pay more for life
insurance. A family history of heart disease, cancer, stroke,
diabetes or other chronic diseases will make your insurance rates
increase. Having chronic diseases yourself can increase your Life
Insurance Premiums.

Life Insurance companies classify people by different categories
that essentially determine their risk of dying. The best category
and lowest price is “Super Preferred”, followed by “Preferred.”
Prices keep rising with “Standard” and “Special Class”. To be
honest, only the healthiest people in America are rated Super
Preferred. The average person will qualify for a standard rate. The
classifications vary from company to company the point is you do
have control over lifestyle choices that can hurt your health. You
should take a proactive approach and work at staying healthy, at
the gym and at the doctors’ office. Insurance companies will reward
you for it! Which is why it’s a good idea to shop around.

Tips to Improve your Insurance Health:

Regular medical treatments to monitor and stabilize chronic
diseases can influence insurance companies to offer you reasonable
rates. Heart disease, cancer, diabetes and stroke are no longer
uninsurable conditions. Insurance companies just want to see proof
that you’re improving your health. Lowering your weight and
controlling your cholesterol or blood pressure with a low fat diet,
regular exercise or medicines can result in a reduction in
insurance premiums. You can’t change your family’s medical history
but you can certainly take care of your own with regular check-ups
and by practicing healthy habits. Your clean bill of health counts
with insurance companies too. If you smoke, the surgeon general
says quit. Insurance companies judge smoking as a critical risk
factor in determining your premium. Do yourself a favor kick the
habit. For your life, as well as your life insurance.

If you quit smoking now, your rates will drop significantly if you
re-submit your “healthier” non-smoker status to insurance companies
a year later. If this doesn’t motivate you who knows what will. How
about saving some money on your life insurance policy? If you end
up paying more, don’t get mad at the insurance companies. Get mad
at yourself! For lifestyle tips and medical information to get you
started, check out some of the leaders in the business of making
you healthy–your doctor!

Stay Healthy and Keep your Insurance Premiums Down

DISCLAIMER: This information is for educational and informational
purposes only. The content is not intended to be a substitute for
professional advice. Always seek the advice of a licensed Insurance
Agent or Broker with any questions you may have regarding any
Insurance Matter.

Advertisements

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

%d bloggers like this: