Good Health Equals Cheap Life Insurance
29055
Finance > Insurance
Jun 19, 2007
dustmagic
Good Health Equals Cheap Life Insurance
If you're looking for cheap life insurance, you should begin looking while you're relatively young and in good health. Age and health are the two biggest factors life insurance agents use to base their decisions about policy pricing. Unfortunately, most people don't get life insurance until they're older or until they've developed a medical condition. Only then do they realize it's time to start thinking about protecting their families. But that's also when it's practically impossible to find cheap life insurance. Will your insurance company agree? Think your high cholesterol isn't much of a problem? Well your insurance company doesn't share that opinion. In fact, if a medical examination reveals this condition, you'll more than likely be put into a higher risk category. Once that happens, you can forget about being offered cheap life insurance, regardless of any other factor. What about your high blood pressure? You think all you've got to do is take a vacation and it'll be back to normal, but the life insurance company sees the situation differently. It sees high blood pressure as a precursor to more significant health problems; maybe not next month or even next year but very likely during your coverage period. The same goes for your weight. What you consider "a few love handles around the middle" may be considered "obese" by the insurance company. Smoking is another red flag when it comes to shopping for cheap health insurance. If you regularly use tobacco products, forget about getting a break on your life insurance premium. In fact, expect it to cost anywhere from 25 to 50% more. Smoking definitely comes at a price because it can cause so many health problems. Besides making you pay more, insurance companies don't really have any other options. Show you are willing to make an effort Insurance companies understand that medical conditions such as high cholesterol, high blood pressure, using tobacco products, and being overweight can be controlled and that doing so can lead to a significant improvement in your health. So there actually is some truth in believing a vacation could help lower your blood pressure. And although you may not have been quoted what you consider a cheap life insurance premium, you're not completely out of luck. Insurance companies have softened a bit. Rather than permanently locking you into a high risk category for conditions such as those listed above, the company may be willing to improve your rates if you prove you're willing to improve your health. Most agents won't come right out and offer this, but if you ask for suggestions on ways to lower your costs, make sure you listen to the answers. If you can show you're working towards consistently improving your health, your insurance company may be able to offer cheaper life insurance premiums. You'll be required to show documentation of the improvements, and possibly undergo an independent medical review by the life insurance company, but it will be worth the effort.
Find Cheap Life Insurance in the UK. Independent brokers finding the lowest rates and then making them even lower.
send email to dustmagic
Write a Review
Add to My Favorite
Refer it to Friend
Report Article
Other links owned by this user
A brief listing of the most common terms relating to debt, debt relief and debt consolidation.
Category:
A commercial Mortgage is a serious investment. Understanding the basics will help you to mae a more informed decision and avoid the pitfalls.
Category:
Proven, not only by myself. How long can we get away with it? Who knows? Start now and you'll get away with it the longest you possibly can. Saying that Google have OK'd it.
Category:
There are a number of options to consider when deciding on the right UK Life Insurance Cover for you. It's not as straight forward as you might think.
Category:
It's a fact, the sooner you get life insurance the better the premium you can acheive. Your health and your age are major factors.
Category:
A comprehensive overview of what to watch for when choosing your Life Insurance.
Category:
PPC mangement starts with a powerful keyword list foundation. Get this wrong and you may as well forget everything else.
Category:
What do you need to consider when choosing a secured loan? A brief overview of the secured loan the benefits and pitfalls.
Category:
It can be very easy to get a term life insurance quote but a little more time consuming to have it personalized to your circumstances.
Category:
Which is the best type of policy for you and your Life Insurance circumstances?
Category:
Ease your Commercial Mortgage hassles and stress by approaching and preparing for your deal in the right way.
Category:
Although it's something no parent would ever really want to consider Life Insurance for you child can bring many benefits.
Category:
Why does Bridging Finance remain the fastest and most appropriate loan type for making a property purchase quickly.
Category:
How can you save money at restaurants and on car rental and avoid being ripped off when you travel.
Category:
You need to dig deeper for your Pay Per Click advertisng keywords. Otherwise you're haemorrhaging cash. Here's Why!
Category:
Other links at Finance > Insurance
A reflection on the news that Vegetarians will be offered a cheaper life insurance policy than their meat eating counterpart. How far will these benefits extend?
Category:
Where has the good faith gone? This article looks into the rising incidences of dishonesty in the life insurance industry.
Category:
Paying out-of-pocket for yearly dental checkups probably won't break the bank. But what happens if you need more serious dental work? Whether you live in Texas or anywhere else in the country, a root canal or crown can easily cost more than $1,000.
Category:
Looking at the historical aspects of insurance policies and how they have progressed over the years.
Category:
Site Sponsor
Directory Statistics
Articles: 68285
Categories: 501
Yahoo Entertainment
