Everyday Factors That Affect Your Insurance Premium

Everyday Factors That Affect Your Insurance Premium

No matter your age or lifestyle, there are some risks that can’t be avoided. Whether it’s concerning your job, gender or physical condition, risks affect your life and your insurance rates.

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How Much Do I Need to Save for Retirement?

How Much Do I Need to Save for Retirement?

Once upon a time, the majority of middle-income Americans who reached retirement age looked forward to maintaining their lifestyles with a combination of Social Security, company pensions, and their own hard-earned savings. Above all, most of those retirees were concerned about leaving an inheritance to the next generation.

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How to Stay Clear of Heat-Related Illnesses This Summer

How to Stay Clear of Heat-Related Illnesses This Summer

The National Institute on Aging provides essential tips to help reduce your risk of heat-related illnesses this summer.

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Underwriting for Life Insurance: Risks That Cannot Be Avoided

Underwriting for Life Insurance: Risks That Cannot Be Avoided

Applicants who are older, have health problems, smoke, or have a hazardous hobby or job will probably pay more.

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Risky hobbies lead to higher life insurance premiums

Risky hobbies lead to higher life insurance premiums

People who invest in life insurance policies will often find that their premiums will be higher if they enjoy certain risky activities – like skydiving or auto racing, for example.

This is because insurance companies want to minimize their own financial exposure in regard to customers who, in the long run, may be far more likely than others to end up having their term life policies cashed in.

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How will my insurance needs change as I get older?

How will my insurance needs change as I get older?

Longevity was in the news recently as a 114-year old Montana resident gained global attention for achieving the distinction of being the world’s oldest man.

In general, advances in medical technology and healthy lifestyle information have been helping Americans live longer than ever, although the large majority will still never make it to age 100.

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Heart healthy benefits of fish oil supplements

Heart healthy benefits of fish oil supplements

A study at Northwestern University shows that patients with chronic heart problems could benefit from Omega-3 fatty acid supplements.

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How do wellness programs reduce insurance costs?

How do wellness programs reduce insurance costs?

Healthcare reform brings a string of new provisions aimed at reducing the overall cost of healthcare, such as employer wellness programs.

Wellness programs have existed in the workplace for years and commonly offer employees gym memberships and fitness perks at subsidized rates. Many companies assess employee health with quizzes relating to exercise, nutrition, stress, smoking and alcohol, reports the Milwaukee Journal-Sentinel.

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Live longer with a healthier lifestyle

Live longer with a healthier lifestyle

Americans know the effects that smoking, drinking, poor diet and little exercise can have on one’s health, but the combination of all four can severely impact one’s life expectancy.

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