How to Lower Your Insurance Premiums If You Have Diabetes

How to Lower Your Insurance Premiums If You Have Diabetes

Diabetes is a highly treatable, but potentially deadly, disease if left untreated or undiagnosed. According to the American Diabetes Association, both the death rate from heart disease and risk for stroke are two to four times higher for people with diabetes. It is the leading cause of kidney failure and new cases of blindness and is the reason for more than 60 percent of lower limb amputations.

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Should I Get an Accidental Death Benefit Rider?

Should I Get an Accidental Death Benefit Rider?

Do you work in a job that involves a lot of health risk? Perhaps you do a great deal of heavy lifting, work on a construction site or in a coal mine, or find yourself frequently on the road.

If this sounds familiar, attaching an “accidental death benefit” (ADB) rider to your term life policy may be a worthwhile acquisition. According to New York Life, ADB riders provide additional benefits to your family if you die as a result of physical injuries resulting from accidental circumstances while on the job.

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How Diabetes, Obesity Affects Life Insurance Rates

How Diabetes, Obesity Affects Life Insurance Rates

An individual’s life insurance rates can be affected by health conditions like diabetes and obesity – and in some cases, even people who exercise regularly and eat right can set themselves up for dangerous medical problems if they aren’t careful.

Healthcare professionals have long advised people to watch what they eat and to engage in physical activity regularly. By avoiding chronic health conditions, insurers will be more inclined to offer favorable rates, and the chance of hospitalization for a major illness becomes lower.

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How Weight Affects Life Insurance Rates

How Weight Affects Life Insurance Rates

First the good news: if you’ve picked up a little weight over the winter, chances are your life insurance won’t be too badly affected. Any more than that, then you’ll have to cut the fat, or your insurers will charge you for it.

The bad news is, as a nation, we’re getting fatter. This is a huge problem for the life insurance companies, because obesity leads to a host of other serious health problems.

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