At some point in our lives, life insurance comparison is a task we can’t avoid. The worst part for many individuals is that they wait too long before taking out a policy. This means that they are quoted much higher premiums than if they were younger and a little healthier.
There are several factors that play a part when it comes to life insurance premiums. Insurers look at our age, overall health, diet, employment, weight, and existing medical conditions. If you’re like a lot of people and decided to take out life insurance later than you should, it’s likely your premiums are higher than you’d like. However, there is a way to get them lower.
This is a guide to enhancing your lifestyle and lowering your life insurance premiums. By taking the right steps, you’ll not only feel great, but you’ll be shocked the next time you check life insurance comparison sites.
Tips and Tricks to Maintain a Healthy Weight
It goes without saying that maintaining a healthy weight will significantly reduce your life insurance premiums, but how is it done? The key is to focus on sustainable changes and not rush into it. Prioritise portion control, choose whole foods over processed, and eat regular, balanced meals. If this is something you struggle with, tracking the food you eat each day can massively help.
How to Manage Chronic Conditions
Another factor that an insurance provider is likely to look into is existing medical conditions, such as diabetes, high blood pressure, and asthma. If these are things you struggle with, it is crucial to develop effective management techniques that allow you to keep on top of them. By attending regular doctor’s appointments, following prescribed treatment plans, and consistently monitoring your health, an insurer will be much more likely to give you a better quote.
Quitting Nicotine
Smoking or vaping is a significant red flag for many insurance providers. We know that quitting isn’t easy, but it is worth contacting a medical professional who can give you advice on how to quit. It might seem unachievable now, but quitting nicotine products can potentially add years to your life, and that is what insurance providers want to see. With nicotine replacement therapy, mobile apps, literature and counselling aimed at quitting, it’s certainly worth giving it a try.
The Benefits of Regular Exercise and a Healthy Diet
The key to good health is physical activity and a good diet. Engaging in exercise for two or more hours every week can work wonders at enhancing your cardiovascular health, regulating blood sugar, and improving your overall well-being. Additionally, fruits, vegetables, lean protein, and whole grains can reduce the risk of chronic diseases as well as excess weight gain. It isn’t always fast, but if there is positive progression, life insurance providers are going to love it.
What can Reducing Your Alcohol Consumption Achieve
Now, this is often one of the most difficult challenges for many. Alcohol can significantly impact the function of your liver, blood pressure, and cause you to gain weight. All these factors are something insurers don’t want to see when calculating your life insurance premiums. You don’t need to quit, but by cutting down and drinking in moderation, you can make a big difference.
Summary
While all of this seems like a lot of effort, you shouldn’t be put off when it comes to improving your health. Of course, don’t try everything at once and never set your goals too high. Start one improvement at a time, and eventually, you’ll be in much better shape. Don’t just do it for the life insurance quote, do it for you.
