Numerous benefits are related to living a healthy lifestyle, which provides a good incentive to stay on a program related to healthy eating and regular exercising. The potential for longer life and the opportunity to lower your risk profile when you come across issues like heart disease and diabetes shows that there are rewards attached to a commitment to a healthy lifestyle.
Maintaining your healthy weight, looking after your heart and body, and being mindful of the impact of lifestyle choices offers tangible rewards in a good number of cases. There is also a good financial reward for the diligent approach to a healthy lifestyle.
Burial insurance is never a popular topic for discussion, but it has its importance. You would like to make sure that at the time of your death, your loved ones or family members will have access to your burial insurance plan that will actually cover all of your final expenses, including the funeral costs.
In order to determine the premium amount of your policy, the companies will be reviewing your overall health, your usage of tobacco products, and also your age at the time of application. If your health is in better condition overall, you get lower burial insurance premiums & more options that you will qualify for.
Having a good diet
There are always trends and certain diets that have come and gone, but with so many options and information at your disposal, it can actually be a challenge to find a specific diet that is actually good for you and your body. Your healthy diet should be built around the basic principles of what is generally recommended in terms of fruits, vegetables, and other key ingredients that are required to consume regularly. The other step is to adjust it to incorporate items that appeal to your tastes.
If you have the information that you require eating at least five portions of fruit and vegetables in your diet, you can then choose your favorite ones to fulfill that criterion. Public health document is an example of a type of information that can be useful for you to achieve the aim of eating a healthy diet.
You should also limit the consumption of processed foods, and if you aim to drink between six to eight glasses of water each day, this all will help you to stay healthy. There is also a view that eating certain foods is shown to have a positive influence on the specific organs of your body like heart, liver, and brain. This will further enhance your chances for not just enjoying a healthy and balanced diet, but also help to lower the risk of health problems for your present and future.
There are certain foods that are capable of delivering known benefits to your specific organs as well as these have a reputation for being healthy foods in general. The example is salmon that is rich in omega 3, which is considered good for the brain. To take care of your kidneys, there are apples, strawberries, and blueberries that are highlighted by certain bodies.
Regular exercise is a key component that can help you achieve a healthy lifestyle and profile. There are well-documented benefits of regular physical activity, and some of the headline benefits include taking control of your weight, reducing the suffering from type 2 diabetes, and lower the odds of cardiovascular disease.
It is quite feasible that you may not be able to be as physically active as you would have wanted if you have certain problems that are just out of shape. Those problems should not be a barrier for you to make positive changes in your lifestyle.
It is a piece of good advice to always start modestly with exercise and then slowly build up the levels of activity and intensity over time as your physical capacity and level of fitness improves and strengthens. Exercise and physical activity are always considered as beneficial to almost everybody irrespective of any type of health and physical impairments that could be restricting you.
By following a regular exercise program that is appropriate to your current abilities and limitations can help you maintain your body weight, lower the risk of suffering from various diseases and make a positive contribution towards improved cognitive function and a stronger chance of living a long and healthy life.
An alarming situation
It is quite surprising that over 60% of the adults aged 65 years or older do not get the exercise they require to stay healthy. As this generation gets older, the exercise statistics are actually getting worse. The majority of people know that lack of physical activity leads to diabetes, heart disease, and other life-altering conditions.
Such a lack of activity makes the final years of life quite painful and frustrating. In addition to that, the health issues are one of the top factors that cause the burial insurance premiums to go up. However, with the right routine, it is not at all hard to stay fit and combat some of the effects of aging.
We all can benefit from turning back the clock a few years, and when it comes to purchasing the best burial insurance policy, our body will thank us for the health improvements we have made over the years. This obviously shows that our good health will make us rely less on insurance policies.
Purchasing burial insurance at a young age
If you are planning to get burial insurance or final expense policy, then it is a great approach. It is basically a head start and an important step for your future. You actually do understand that this valuable coverage will protect your family or loved ones in the future.
This has to be kept in mind that buying burial insurance at a young age is not enough; this is also the time to start taking steps for your health improvement. This will not only give you benefits of an earlier beginning, but you may also be able to save more money on your burial insurance.
The insurance company is likely to ask a series of questions, as well as the prescriptions that you take. They will also ask you to identify any sort of health issues that you are being treated for. It is understood that burial insurance will be more expensive if you wait until your 80’s to start a policy as compared to your 60’s or 70’s.
The younger you start a policy, the less monthly premiums will be. This will certainly provide significant savings to you and also to your family members. One doesn’t need to mention that it will provide the final expense insurance coverage that you are looking for in order to protect your family.
Smoking and drinking
Tobacco smoking and drinking too much alcohol are actually big factors in exposing yourself to greater health risks. What you can do best for your heart is to quit smoking with any delay. There is a detrimental impact on your cholesterol when you smoke cigarettes.
There are a number of things that are clearly bad for your health, and smoking cigarettes can obviously reduce your good cholesterol and encourage bad cholesterol that sticks inside your arteries. You have to bear in mind that smoking is the major factor when insurance underwriters decide to increase the premiums of your life insurance.
When you are an applicant for life insurance, there is another key question which is about how many units of alcohol consumption you do every week. Your answer determines how much of an insurance risk you are considered to be and how much damage you could be doing to your health.
Though there is conflicting information that is available that is related to what sort of alcohol intake, you can enjoy safely on a regular basis. There are various medical problems that can arise when you drink excessively and consume too much alcohol on a regular basis.
Most of the insurance companies tolerate drinking in moderation. Therefore, your premium would not be raised if your alcohol intake is acceptable to them. Some aspects of drinking habits might be subject to contention, while medical experts have no doubt that binge drinking is bad for your health.
Making life more active
The premiums of burial insurance are actually directly affected by your overall health profile. There are various ways by which is more active in general can help improve the health profile, which your burial insurance company will use for the calculation of your rates.
When you are generally more active, it helps increase your bone density. This is because of the fact that the bones get stronger when under the stress of activity. High-quality bones can also help in the prevention of osteoporosis. This is something most of the insurance companies ask about.
Another factor that contributes a lot is the blood pressure, so living a lifestyle that includes more activity has been proven to help in the management of your blood pressure. By being active, you can keep your blood pressure within the levels that are acceptable.
Living a longer life
When it comes to the life insurance companies setting the rate that they are to charge you for life cover is that they will be able to charge you a lower price monthly if the answers to a series of questions related to your lifestyle questions suggest that you are reasonably living a long life.
These insurance companies will ask you a series of highly relevant medical and lifestyle questions that actually help them to decide how risky you are to insure. This will also help them in understanding how much to charge for the insurance protection that is based on the answers that you provide them.
The underwriting process of these insurers helps them to decide whether to accept your life coverage application and the type of risk that you represent. Every burial life insurance company has its own underwriting rules, though the basic concepts remain the same.
As an applicant, you have to keep in mind that your past and present health history will definitely influence how much you will pay for life insurance cover. You also have to keep getting healthier by taking steps for great control or health profile improvement that will help in life insurance cost reduction.
Getting a financial reward for your efforts
The actual point is that you want to know that the underwriters that are working on calculating the cost of your life insurance are prepared to adjust their view of the health risk level that you face. If you do improve your health and make lifestyle changes like quitting smoking, this will certainly change their view.
One of the key lifestyle components is smoking that increases the cost of life insurance as it significantly increases your chances of health problems, and this way, you could die earlier. In terms of how soon your life insurance company will reward you with lower costs as a non-smoker, it is likely that you are required to shop around as they all have a different timescale on what period of time counts before they class you as a non-smoker.
You might have to wait for 1-3 years before you can get a preferred plus rating from your insurer. This not only involves being a non-smoker but also requires you to demonstrate lifestyle changes like lowering your weight if it is high and reducing your blood pressure etc.
The prospect of paying a lower monthly amount for life insurance as a reward for your commitment should be an incentive to keep your body and mind in good order. By knowing that you have taken a positive step in preserving your longevity should be the motivation that you actually need.
You have to think about the answers that you have to give to the insurance company when they ask questions about your current health and lifestyle. Then you should consider what you can do to make the underwriting view you as a lower risk dying earlier than predicted.
Hi, I’m Mitch Winstead with Advanced Mutual Group. I have been helping people with burial insurance for over 20 years. We have top-rated carriers with the best prices. We have AIG Insurance and Mutual of Omaha burial insurance. The average cost of a funeral is $8500.00. Compare us to Globe Life Insurance or Colonial Penn We have burial insurance with no waiting periods All of our policies are state-regulated. If you have any questions or would like a hassle-free quote with no obligation, please call our office today. Our toll-free number is 1-866-598-8170. Our website is http://www.advancedmutualgroup.com
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