If I Lose Weight or get Healthy, Can I get Better Rates on Life Insurance? |
Answer:
Yes! If you’re in good health
and are not overweight, life insurance premiums will be less expensive than for someone who is not in good health. Take steps today toward a healthier lifestyle and you should be able to save yourself some money.
Often, life insurance companies require you to undergo various tests and medical examinations prior to issuing you a policy. Any medical conditions are usually placed into various “categories” by the insurer. Depending upon your medical condition, insurance companies may place a “rider” or “exception” onto your policy.
If you’re a smoker you’ll likely pay two to three times the amount of life insurance premiums than a non-smoker. If you’re overweight, you’ll also pay more for premiums because obesity is often related to other medical conditions such as heart disease and diabetes.
When you’re healthy, life insurance is much easier to buy and it cost a lot less too!
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