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Reducing Risk and Lowering Your Life Insurance Premiums

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It’s a balanced though process of every person seeking a life insurance policy – the potential risk involved with a sudden change in health versus the rates charged by the policy underwriters. A person paying higher premiums at 45 might well have a longer wait to claim benefits, so adjusting the policy parameters to gain access to a lower rate is a positive step in the right direction. By focusing on improving your quality of life and health, you can look to have your payments reduced during your next required physical.
Eat Right
It seems like a no brainer, but physicians have proven that even slight adjustments in how a person eats drastically affects their risk of heart disease, high cholesterol, diabetes, and a whole host of controllable factors. Consult with your doctor, letting them know your reasons for adjusting your lifestyle in order to reduce your risk factor, and they can point you in the right direction where improved health is concerned.
Your diet doesn’t need to be radically changed, but by replacing one red meat dish a day with white meat or fish, you can significantly reduce your risk. Your next physical should show a reduction in fats and cholesterol, giving you evidence to take to your policy underwriter on your improving health.
Exercise Like You Mean It
Keeping a fir body is part of the insurance regimen, so an active lifestyle that records your actions through a membership such as a health club is a great step in the right direction of lowering your life insurance premium. Your added bonus is that most health insurance policies allow for a reduction in rate for simply having a gym membership, so taking advantage of the already paid for personal trainer only makes your reduction that more probable for being reduced further.
Utilize your trainer’s knowledge and focus on exercises that reduce cholesterol and body fat, while at the same time strengthening your heart and body. These acts not only give you the benefit of improving your health outlook at your next physical, but also doing what the insurance company wants it to do- keep you fit and healthy for a longer period of time.
Taking your health regimen seriously is a great way to save money in the short term, as well as keeping you fit and healthy for a lifetime beyond so you can enjoy your retirement.

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