If you’ve decided to purchase a life insurance policy, congratulations! Purchasing a life insurance policy is one of the most responsible purchases you can make. Not only can a life insurance policy help take care of your family once you’re gone, but a life insurance policy can also help take care of you should you ever find yourself in a financial crisis.
You should know, however, that purchasing a life insurance policy isn’t the same as purchasing, say, an automobile insurance policy. You can’t just visit your local life insurance agency, fill out some papers, and sign on the dotted line. Most life insurance companies require potential policyholders to undergo a medical exam first. This is why wellness, fitness, and diet play a huge role in the premiums for life insurance policies.
It’s obvious that some health conditions can’t be altered in order to get lower life insurance premiums. For example, a diabetic can’t change his insulin and sugar levels without medication. A person with bipolar disorder can’t change his brain chemicals without medication. Life insurance companies will look at these conditions when considering you for a life insurance policy.
However, by eating healthy foods, effectively managing stress, and exercising your body, you aren’t just keeping yourself healthy; you’re also making an effort to obtain a lower cost life insurance policy than someone who stuffs himself with junk food, is constantly stressed out, and considers exercise to be the stroll from his elevator to his office. While some health conditions can’t be altered or cured, by focusing on your wellness, fitness, and diet you’re doing everything within your power to take care of yourself.
A good life insurance company will recognize your efforts to maintain your wellness, fitness, and health, despite any other health condition you may have that are out of your control. When shopping for life insurance, make sure you choose one of these observant life insurance companies.