Your health is directly related to the premium you'll pay. What most people do not know, however, is that if you decide to make some lifestyle changes and the result is a lower body mass index (BMI), which in turn improves your condition, you may qualify for lower premiums. All you have to do is ask.
lifestyle changes that can reduce life insurance premiums
- Regular exercise ( weight loss). If you start exercising regularly, or even monitor your calories (which results in weight loss), insurance companies adjust your premium rates to reflect this. However, make sure you have all your fitness records. Get a medical certificate from your doctor (if possible). An article in the Chicago Tribune Orlando Sentinel Kiplinger and other publications mentioning AccuQuote and quote me says insurance companies will not only take your word for it; they want proof of lasting changes before making changes to your insurance rates.
- Tobacco, alcohol and drug abuse. If you have a high consumption of alcohol history, smoking, substance abuse, it will result in a higher premium. Reduce the three over a period of 1-3 years and your insurance rates could drop massively.
- work environment without risk. If you have a dangerous job, it will take into account in your rates. Examples include the scrapping of vessels, fight against fires, construction work, police work, even diving. However, if you go to an office job or office, you can request a reduction.
- improving health. If you have a pre-existing condition such as cholesterol or blood pressure, or you recover from (or have recently recovered) cancer, your insurance rates will be higher. If you control your blood pressure and cholesterol levels over a period of time, or your cancer is in remission for several years, you are eligible for cheaper rates.
- Recreational activities. Have you indulge in track racing, parachuting, bungee jumping or something similar? If so, your insurance premium is likely to be on the higher side. If you stay out of these activities for a long period of time (and can prove it to insurance companies), there is a chance of your premium will drop
Remember, however, that this is not a quick-fix deal. You must make permanent lifestyle changes and prove it, too. Insurance companies do not monitor your life; the initiative to reduce your rates must come from you.
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