Life insurance is a protective measure against financial hardships befalling those closest to you. However, if you know anything about life insurance policies, you’ll know that there are certain factors that determine what kind of policy you receive.
Perfect health is by no means a prerequisite for securing life insurance, but health and age do play an important part in the process.
While you obviously have no control over your age, there are certain health conditions you can control in order to not only successfully qualify for life insurance, but also to lower the premiums you pay.
Cholesterol comes in two diametrically opposed forms. There’s “good” cholesterol (high-density lipoprotein, or HDL) on the one hand, and “bad” cholesterol (low-density lipoprotein, or LDL) on the other.
If you consume too much of the latter, you’ll risk clogging your arteries and consequently increase your chances of developing heart disease and stroke.
High Blood Pressure
The American Heart Association estimates that around 103 million adults in the US have high blood pressure. High blood pressure increases the risk of heart disease and strokes because it causes damage to the heart and blood vessels.
To control your blood pressure, maintain a lifestyle and diet that keeps your heart healthy. Consult your doctor about how you can go about this.
Diabetes—more specifically, Type 2 diabetes—is known as adult onset diabetes. Type 2 leads to your pancreas ceasing the production of insulin.
This causes blood sugar levels to rise and leads to serious health problems. High blood sugar levels can cause problems in the kidneys, heart, blood vessels, and more.
Though there’s no cure for Type 2 diabetes, you can lower the risk of developing it by maintaining a healthy lifestyle. That means regular exercise and a healthy diet.
If you’ve been diagnosed with Type 2 diabetes, have your doctor devise a treatment plan that brings your blood sugar levels into a healthy range.
Tobacco and Nicotine Use
Smoking is the leading preventable cause of disease and death in the country. It causes damage (often irreparable) to almost every organ in your body. Not to mention, it causes cancer and other diseases.
When it comes to life insurance, tobacco and nicotine users don’t fare well. They either pay a lot more than non-users or don’t get a policy at all. Depending on how long ago they quit, former smokers may secure better rates for their policy.
Obesity puts you at risk for a number of conditions, including, high blood pressure, heart disease, diabetes, stroke, and certain kinds of cancers.
Managing your weight will reduce the risk of developing these diseases, and therefore increase your chances of getting a less expensive insurance policy.
If you require affordable whole life insurance FL or Wholesale Term insurance Palm Beach county, Broward County, Pinellas County, Hillsborough County, and elsewhere in Florida, get in touch with us for a free quote! Or call us at (800) 381-1245.