You cannot change your family´s medical history but you can certainly take care of your own with regular check-ups and by practicing healthy habits. 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. 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. If you quit now, your rates will drop significantly if you re-submit your “healthier” non-smoker status to insurance companies a year later.
Before you sign up for a life insurance policy, take the time to make some lifestyle adjustments. A healthy lifestyle will help you keep your insurance rates low and premiums affordable. Helping to protect your family and their financial future is a must, but if you follow our tips, you do not have to break the bank to do it.