How Obesity Can Lead to Higher Insurance Premiums

How Obesity Can Lead to Higher Insurance Premiums

Obesity is one of the most common reasons a person might be declined – or charged higher rates – when applying for life insurance coverage. While it’s a fact that many who are overweight can remain healthy well into old age, insurance underwriters take a scientific approach to making the decisions. Using statistical analysis to arrive at health ratings and premium rates, underwriters know that being overweight increases an individual’s death rate in purely linear…

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Are light cigarettes better for my health?

Are light cigarettes better for my health?

Smokers have long been aware of the serious health risks and other drawbacks, such as high life insurance premiums, that their habit can bring.

However, recent news reports are serving as a reminder that people do nothing to diminish the risks they face from smoking menthol or light cigarettes. The government has also long warned people against using pipes, cigars and smokeless tobacco products.

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