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Did you know that your Life insurance rate is determined by your health and other factors? It's part of a risk classification process that all life insurance companies follow. The higher your risk, the higher your premium.
So while you can't change your age or health history, you can partake in healthy lifestyle choices that are beneficial to both your body and your pocketbook. Smoking, high blood pressure and high cholesterol are all factors that can increase your Life insurance rates. The good news is that if you improve your habits, you'll not only be healthier, but in most cases you will also be eligible for a lower life insurance rate. | | | | |
- Tobacco use
- High blood pressure
- High cholesterol
- Obesity
- Medical History
- Family History
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So what can you do to help make yourself more life insurance-friendly? Follow these tips.
- Get regular physicals
- Lose weight
- Lower your cholesterol
- Quit smoking
- Take prescribed medications
- Exercise regulary
If you have an SBLI USA Life insurance policy and not receiving the best rates, and have improved your health, be sure to let us know! Once we obtain medical proof of the improvement of your health, you could qualify for a lower life insurance rate. Contact us to review and possibly reduce your life insurance premium. | | | |
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