How to Use Health and Fitness to Lower Life Insurance Rates
Life insurance rates are based on many different things, and finding the best rate is important for all life insurance holders. As one is choosing life insurance, there are many things that he or she has to think about and consider; likewise, there are a number of things that life insurance companies also take into consideration. One of the main things that life insurance companies take into consideration as they think about monthly premiums is a person’s health.
A life insurance attorney pointed out, “More and more life insurance companies are beginning to offer lower life insurance rates for health-conscious people; therefore, it’s in a person’s best interest to take advantage of this.” A person should make it a point to practice a healthy lifestyle in order to get the best quality out of life, however, now that one has an added incentive to do so, life insurance applicants should do all that they can to get the lowest premium.
This post will detail some simple ways to use health and fitness to get in outstanding shape and get a low monthly premium on life insurance.
Ways to Save Money On Life Insurance Using Health and Fitness
Practicing health and fitness will improve one’s overall quality of life by preventing certain diseases and obesity. People should make it a point to incorporate a healthy diet and fitness into their life in order to practice health and wellness, however, sometimes people don’t know-how. Here are some ways to incorporate health and fitness into your life which will also help you save money on life insurance.
Start Strength Training
Strength training is beneficial for people of all ages and is a great way to stay active and build muscle. Strength training can be done at home, in a gym, or with a personal trainer. Overall, strength training focuses on strengthening the muscles in one’s body and lowering body fat percentage using both light and heavyweights. This form of activity is great for losing weight and will make a person look toned with more defined muscles.
In terms of lowering life insurance by practicing strength training, a person will lose body fat and will strengthen one’s muscles which has copious benefits such as:
- lessening one’s likelihood of getting injured
- improving one’s joint stability
- assisting in hormone regulation
With all of these benefits, life insurance companies will see that someone is an overall healthy individual and he or she deserves the best life insurance that they have to offer. Strength training is great for people of all ages that are looking to practice a healthier lifestyle.
Learn How to Run and Cycle
Similar to weight training, running and cycling will strengthen a person’s muscles and will lower his or her body fat percentage. Running and cycling will also allow a person to keep his or her heart and lungs healthy as this type of physical activity is mostly cardiovascular based.
Running and cycling can also lower cholesterol.
Life insurance applicants that run and cycle will be more enticing to life insurance companies as they will see that these applicants are more healthy than other applicants. Additionally, people that run and cycle will lower their risk of developing any future diseases and will not be at risk of becoming obese/overweight; both traits that make a person eligible for lower monthly life insurance premiums.
Make it a Point to Eat Fresh Foods
Many people enjoy the convenience of already-prepared foods such as frozen meals, packaged snacks, and canned fruits and vegetables. Though sometimes prepared foods are necessary, it’s important for people to try their best to eat fresh and non-processed foods. There are many benefits to eating non-processed foods, such as:
- lack of ingesting antibiotics
- lack of ingesting preservatives
- Less likelihood of weight gain
- better quality meat and produce
With the variety of benefits of eating fresh foods, one will begin to live a healthier lifestyle and will be at a lower risk of obesity, high blood pressure, high cholesterol, and many other life-threatening diseases. The lower that your chance of developing any of these issues is, the better life insurance rate you are likely to get.
Consuming fresh foods rather than prepared foods will also help people lose weight. Here are some ways to incorporate more fresh foods into your diet rather than prepared foods:
- Buy fresh produce rather than canned or frozen
- Buy fresh, organic meat instead of frozen meat that has preservatives and sodium in it
- Avoid buying snacks that aren’t organic and aren’t made with natural ingredients
- Avoid foods that are high in processed sugar
Avoid Consuming Processed Sugar
In addition to eating fresh foods, try to avoid foods that have processed sugar in them; try to only consume natural sugar. Processed sugar can cause extreme weight gain, diabetes, and irregular hormones if not consumed in moderation. All of these outcomes of processed sugar can result in higher monthly premiums of life insurance because a person will be a higher risk applicant.
Try consuming foods that only contain natural sugar or use natural sweeteners; make it a point to pay attention to nutrition labels and ingredients. It’s common for people to not even realize how much processed sugar they are consuming because sugar is in most prepackaged foods. Avoiding processed sugar is an outstanding way to practice health and wellness and potentially save you money on your monthly life insurance premiums.
Choose to Live Healthy
People should want to live healthy in order to improve their quality of life and prolong their life as much as possible; getting a lower life insurance policy should just be another added benefit. Incorporating healthier foods and the right amount of proper exercise is easy and can be done by anybody that makes the effort. Keep these tips in mind as you try to live a healthier lifestyle and as you choose health and fitness over everything else.
About the Author
Veronica Baxter is a blogger and legal assistant living and working in the great city of Philadelphia. She frequently works with Chad Boonswang, Esq., a national beneficiary life insurance attorney.