Although life insurance’s primary role is to provide financial support to your loved ones after your passing, it is heavily influenced by how you live. Your health now has the largest impact on the cost of your premium, and even the type of plan and death benefits you qualify for. You want to provide as much as possible to your loved ones after your passing, but you also need to have financial stability while you’re alive. This means you need to implement wellness strategies that will help you improve your health, live longer, and score lower insurance premiums as a result.
Lower Your Risks
Heart disease is the most preventable leading cause of death in the United States. Eating a balanced diet and exercising regularly can drastically lower your risk of heart attack, stroke, and cardiovascular disease. It’s never too early or late to start taking your health seriously. Even those who have been diagnosed with a serious condition can begin to take steps that improve their treatment outcomes and give them a better prognosis. For those with fatal illnesses, there is still potential to extend their lifespan so they can spend as much time with their family in as little discomfort as possible.
Get Routine Screenings
Everyone should receive, at the minimum, an annual physical exam from their doctor and relevant cancer screenings. Depending on your age, gender, lifestyle factors, and family history, you may need to be screened for other diseases routinely as well. Knowing your risks and taking steps to prevent them early on will ensure your life insurance stays affordable. In the event you are diagnosed with a terminal illness, you might need to take money from your policy to cover medical bills, hospice care, or provide for your family. You can explore whether researching a guide to a viatical settlement could be helpful to you in adding to your policy down the road.
Do Home Workouts
Due to COVID-19 outbreaks and restrictions, it can be difficult to maintain a regular fitness routine if you go to a gym. To reduce the spread and protect yourself, implement an at-home workout routine. You can use free YouTube tutorials, follow personal trainers on social media, and read articles to learn new movements and routines. Switch things up as often as you like, but strive for at least 20 minutes of moderate cardio activity daily. Says Matt Schmidt of Diabetes 365 ” life insurance for people with diabetes tends to be more expensive to begin with. One way to help keep rates lower is to work out regularly and log your activity. Certain life insurance providers will offer discounts if you can show you are active by uploading your FitBit or Apple Watch data.”
Cut Out Sweets
Lowering your sugar intake decreases your risk of being overweight and developing diabetes, two conditions that impact your life insurance rates. If you have a hardcore sweet tooth, try going for low sugar options of your favorite treats or swapping desserts for fruit bowls. This can be a difficult change, but it benefits your health and dental hygiene more in the long run. If you’re trying to lose weight, then reducing your sugar intake from desserts, candy, and soft drinks is one of the fastest ways to improve your diet.
A healthy sleep schedule can lower stress levels, prevent premature cognitive decline, and improve your immune system. Part of staying healthy means giving your body ample time to rest and recover throughout the night; if you struggle to sleep at night, then talk to your doctor about potential treatments, which may include melanin supplements or treating mental health conditions that cause insomnia.