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Healthy HeartHaving life insurance creates peace of mind that your family is going to be fine in the event that something happens to you. While it is great to have, some policies can seem to be pretty costly. Many people don't realize that maintaining a healthy lifestyle can help to reduce those costs.

Because your health habits and lifestyle are factors in determining the rates you get on your life insurance policy, it only stands to reason that altering health habits and improving your lifestyle would help to lower your rates as well as lower your risk for some serious health issues such as diabetes and cancer.

For example:
  1. Losing excess weight in order to maintain a healthy weight is a sure way to lower your rates while reducing your risk of obesity and other medical conditions related to obesity. You should have your Body Mass Index (BMI) checked and if your doctor tells you it is too high, you should consult on ways to help drop those excess pounds.
  2. Maintaining the health of your heart lowers the chances of issues such as hypertension, stroke and heart attack. These lowers risks also help cut the costs of your life insurance policy. Be sure to have a physical done annually and have all your numbers for blood pressure, triglyceride and cholesterol checked. Talk to your doctor about the beats ways for you to lower those numbers if it is necessary. Maintain a healthier diet, exercising and reducing the amount of stress that you have will also help to keep your heart healthier and lower insurance costs.
  3. Diabetes is a serious health issue that will negatively affect your life insurance rates. Make sure that you manage your blood sugar levels and get blood sugar tests done. Your doctor will help you by giving suggestions for diet and exercise plans that will help to manage your sugar levels.
While these health issues do factor in to your life insurance rates, so do the activities that you participate in. If you take big risks like skydiving or deep sea diving your rates will go up. However, just like the health issues, certain lifestyle changes will help lower costs as well.

At Fleming & Riles Insurance, we understand how important it is to get best life insurance to protect your family in the event something happens to you at the best rates. Call us today at (800) 833-4379 to find out more about our life insurance policies.
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