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Why You Should Review Your Life Insurance Policy
The global economic crisis is causing all of us to review our outgoings and to reconsider whether we really want to spend on items we used to take for granted such as life insurance.
However, whilst many of us are eager to reject the idea of life indemnity as a necessity at all, we all know that the best way to really save and benefit from the security it offers is to be a healthier person. So how healthy are you? And could you be benefiting from kicking some of those indulgent vices into touch?
Smoking
Whether you are a smoker or not can make a huge difference to the amount you spend on life indemnity premiums. UK No Smoking Day occurs on the 11th May and highlights the many profits of quitting, and aside from the obvious health implications, the financial ones via savings on your life insurance are also very great.
According to The Guardian, stopping smoking for a year when you reach the age of 40 can result in premiums 50 percent lower than they would be for a continuing smoker. Taking actual costs into account, an individual could save over $100 a month.
Alcohol
Similarly, alcohol consumption can affect life indemnity prices also. This info increases in significance when we consider how much is adequate to drink in health terms. The Telegraph reported last December that insurers were being forced to push up prices after increases in cases of liver cirrhosis, heart problems and cancers which may be linked to inebriant consumption - though statistically 20 percent of UK men and 30 percent of women are said to drink hazardous' amounts.
50 units, i.e. an amount that is considered harmful can result in $300 extra on premiums over a year. Yet, an article at bytestart highlights the importance of re-taking a liver-function test should you cut down, as this will probably be taken into account during a life indemnity review.
Obesity
Being obese to the level that it affects your health, and with levels of clinical obesity increasing faster in the UK than anywhere else, indemnity companies are commencing to take note. Statistics form whatprice look at the median 40 year old (at 12 stone) compared to an obese person of the same age and who will weigh 18 stone. Cover that is worth $100,000 would price 50 percent more for the latter individual, but they may even be at risk at not being granted cover at all.
Whilst the recession is causing many of us to cut backward on spend, and to re-assess the financial scenes of our lives, through acknowledging the savings produced through those with a healthier lifestyle it seems that 2009 might be the best year to focus on our health habits as well as our money habits.
And when you are healthier now than you have been since buying life insurance, review your policy and compare prices - and keep them informed even whenever you have just joined the gymnasium. It might be worth more than you had realized.
Author Resource:-
Uchenna Ani-Okoye is an internet marketing advisor
For further information on life insurance policies as well as product recommendations and services, I suggest you check out: Cheap Insurance Life Policy
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