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We know that living well is a good thing for many reasons. When you eat good food and get plenty of exercise, you lose weight, gain stamina, and even improve your immune system. That means more time spent enjoying your days, and fewer moments suffering from the sniffles. However, what a lot of people don’t know, is that living healthy can be an excellent way to save money too. It pays to care for yourself these days, in a world where doctors visits, health insurance, and countless other expenses are increasing. The more you can prove that you’re willing to look after your body and mind, the more your bank account will benefit.
One of the biggest benefits of healthy living form a financial perspective, comes in the form of cheaper premiums for your insurance. Both your health insurance and your life coverage business can give you better policy deals if you can prove that you’re in good shape. Health practices mean that you’re less likely to spend all of your time visiting the doctor and applying for expensive procedures, so you don’t have to spend as much on protection for your health. At the same time, you may already know that life coverage companies take various health factors into account when dictating what premiums you might be eligible to pay. For instance, non-smokers with a good body mass index are more likely to get a cheaper policy than those who drink or smoke regularly. You might even find that dropping a couple of extra pounds reduces the amount you spend each month significantly.
From the perspective of a life insurance company, the longer you’re likely to stick around the better. If you’re on a whole-of-life coverage option, healthy living means that you’re around for longer, so you have more time to pay premiums into your account. You can even earn more when you look into selling a life insurance policy this way, because you’ll have a more valuable account. If you’re getting term-based cover, then your healthy living strategies reduce the risk that your protection policy will need to pay out to your family at all, because there’s a higher chance that you’ll live through your term.
All it takes is a few small changes, and you could seriously reduce the cost of your premiums and live a better quality of life at the same time. Dropping smoking is a good first step, as this is one of the first things that any insurance company will look at when deciding whether to support you. Another important thing to think about is your weight. If you work out regularly and eat properly, then you’re more likely to be a healthy weight. Issues like obesity make you more predisposed to long-term illnesses that could be problematic for insurance brands. Getting more exercise into your routine will help you to drop those extra pounds fast, so you can show that you’re not a massive risk. All the while, your commitment to a better state of wellbeing means that you’ll have better stamina, a more positive mood, and more confidence.
