Do you want to live longer? The steps to a longer, healthier lifestyle just may be contained in the questions in a life insurance application. No, there may not be much you can do about your age or gender, but that application can provide some keys to helping you live longer.
How? Because life insurance companies view specific behaviors, habits and physical attributes as positives or negatives to your health and will adjust your rates accordingly.
This isn’t your mother nagging you or your doctor telling you (again) to drop a few pounds. It is a black and white, unbiased application based on statistics.
So what is this application telling you the keys are to living longer?
Stop Using Tobacco
Tobacco use is considered so harmful to your health, its use will likely lead to higher life insurance rates. It is no longer restricted to just smoking either. Want to live longer? Stop the tobacco use.
Maintain a Healthy Weight
You don’t have to be a body builder to maintain a healthy weight. As long as you are within reasonable height and weight ratios, you’ll likely be just fine. The problem is overweight applicants tend to have more heart issues and are more susceptible to diabetes. It is reasonable that life insurance trace many health issues to being overweight.
Minimize Use of Alcohol and Drugs
Excessive use of alcohol and drugs can impact the length of your life in several ways. It can lead to riskier behaviors, and they can impact your physical health.
Don’t Engage in Risky Hobbies
Sure, you only have one life to live, but if you want to help ensure a longer life, note the risky hobbies and activities noted in a life insurance policy. Skydiving? Mountain or rock climbing? Motorsports? Your life insurance application can serve as your guide.
It seems we are always looking for ways to look younger, feel better and live longer. We always seem to be in search of new products and services to help us. All along, the advice is right there in a life insurance application.
Your life insurance rates may never be less expensive. Connect with one of our independent insurance agents to discuss your needs. There is no obligation to get a free quote. We look forward to assisting you.
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