No matter where you live, food, and our love of it, brings Americans together. However, while we need food to live, the negative effects of excessive food consumption on your body may surprise you. In most cases, life insurance companies take into account a variety of factors, including age, gender, family history, and your weight, when determining policy terms and rates. While you may not be able to change your family history, weight and your diet are factors of your life that you can control. It may surprise you to know that the Center For Disease Control (CDC) estimates that the total direct medical costs due to obesity in 2012 could reach up to $46 billion. Or that 195,000+ people in America have died due to obesity this year. Ultimately, these costs and deaths are often related to a combination of poor dietary decisions and a lack of exercise.
Not only can your diet have a direct effect on your weight, but it can also effect health issues such as high blood pressure and cholesterol. Both may be linked to increased life insurance premiums, medical costs and even death. By having a healthy diet, not only are you caring for your body, you may also be able to keep your Term Life Insurance premiums lower in the future.
The good news for many is that it is easy to make a change to your diet when you are young. Not only is this the easiest time for your body to accept changes to its diet, but it is also when term life insurance premiums are the lowest. By maintaining your health, or even improving it, through a healthy diet and exercise, you can help to insure that your premiums remain low as you age.
Before you purchase insurance, it is best to compare your options. Different Term Life Insurance companies will place a different level of importance on a healthy diet and lifestyle. Combined with other factors — including age, family history, etc.– the state of your personal health will affect the cost of your premium. By using an independent term life insurance agency, such as SelectQuote, you can take the hassle and confusion out of comparing these companies and find the company and the policy that is right for you.