- How does a healthy diet affect life insurance premiums?
- February 18, 2014
At the end of every year, after the clock strikes midnight and the ball drops in Times Square, people everywhere fall asleep with dreams of healthy eating and bodily exercise. The hard part is actually committing to them.
You may realize that these adjustments will improve your quality of life and even your life expectancy but have you considered the fiscal incentive? Your commitment to a healthy lifestyle could save you money on future medical bills and life insurance premiums.
“Healthy applicants pay the lowest rates,” said CEO and President of Life Quotes, Inc., Bob Bland.
Even if you haven’t lived a healthy lifestyle but have recently committed to the change, know that you can achieve lower rates in the future.
“The main long-term life insurance benefit of staying healthy is that you can enjoy low rates once again after the initial rate guarantee period of your term life expires,” said Bland. “Another is that, at any time, you can drop your current term life plan and shop around for a new plan.”
All people tend to face a higher risk for heart attacks and other cardiac events as they get older, but a healthy diet and lifestyle can go a long way toward preventing this.
Studies show that heart trouble — including clogged arteries and high cholesterol — can start as early as childhood. In fact, taking protective measures in your 20s, 30s, or 40s can help lower your odds of developing heart problems by as much as 60 percent.
According to the American Heart Association, the following guidelines will help you best prevent heart disease.
In your 20’s and 30’s:
- Begin health screenings early
- Be physically active with exercising at least 2 hours per week
- Don’t smoke and avoid second hand smoke
- Build family awareness of a healthy diet in your daily menus
- Stay away from fried or fast foods
- Alcohol consumption in moderation
- Handle stress with management techniques such as deep breathing
In your 40’s, 50’s & 60’s:
- Maintain a healthy weight
- Check to make sure high blood pressure and high cholesterol is in check
- An ankle-brachial index test is recommended to measure arterial disease for those over
- Don’t ignore snoring since once in five have a mild case of sleep apnea
There’s more to diets than looking beach-ready for the summer; small changes can make all of the difference. Taking the appropriate precautions and maintaining a healthy lifestyle from the get-go will, not only save your life, but a whole lot of money along the way.
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