Once you sign a life insurance policy, your rate is typically secured for the duration of the policy. This doesn’t leave much opportunity for you to improve the life insurance rate by changing your lifestyle, but if you are considering a new life insurance policy in the future, some healthy-living tips can help shave dollars off your premium. With those savings, you can add to your own bank account or you may be able to increase the amount of coverage you receive.

Stop Smoking

This is one way to keep your life insurance premium payment down. Smokers pay more for their life insurance than a non-smoker. Using any type of tobacco – including chewing tobacco – will increase your insurance rates. If you stop smoking or using other forms of tobacco for a specified time period prior to signing your policy, you will have the opportunity to lower your rates. In addition to a lower insurance premium, you may increase your lifespan and avoid debilitating diseases later in life.

Weight Loss

Obesity has become a serious health issue in America. Taking some simple steps like eating less and moving more to lower your weight will not only make you feel better, it will help to improve your overall health. If you are overweight, losing just a few pounds may move you down a risk class and help you save money on your life insurance policy. Combine that with the health benefits, and it’s a win-win scenario.

Healthy Diet

Eating a healthy diet rich in vegetables and other nutritious foods may help lower insurance premiums. By eating healthy, you can do much to prevent nutritional deficits and associated diseases or conditions that might show up on your exam and move your policy to a higher risk class.

Your Health and Life Insurance Rates

Helping to protect your family and their financial future is a must, but you don’t have to break the bank to do it. A healthy lifestyle will help keep your life insurance rates low and premiums affordable. Take the time before you sign up for a policy to make some lifestyle adjustments, and your bank account may thank you later.