LifeQuote Is About Life. Better Health Means Lower Insurance Rates.

If you ended up on this page you're probably nervous about your health and how it can affect your insurance rates. Well, you're right. Your health is key in how much you'll pay for Life Insurance.

Life Insurance Facts:

• Cigarette smokers pay at least double the premium for life insurance than non-smokers.
• People who are overweight, have high blood pressure or high cholesterol could pay more for life insurance.
• A family history of heart disease, cancer, stroke, diabetes or other chronic diseases will make your insurance rates increase.
• Having chronic diseases yourself can increase your Life Insurance Premiums.

Life Insurance companies classify people by different categories that essentially determine their risk of dying. The best category and lowest price is "Super Preferred", followed by "Preferred." Prices keep rising with "Standard" and "Special Class". To be honest, only the healthiest people in America are rated Super Preferred. The average person will qualify for a standard rate. The classifications vary from company to company, which is why it´s a good idea to shop around.

Life Insurance Example:

Male, 45 years old, $500,000 of 20-year term:

Average for a preferred non-smoker: $912.50 Average for a preferred smoker: $2,347.75

Source: Rates for other classifications

The point is you do have control over lifestyle choices that can hurt your health. You should take a proactive approach and work at staying healthy, at the gym and at the doctors' office. Insurance companies will reward you for it!

Tips to Improve your Insurance Health:

• Regular medical treatments to monitor and stabilize chronic diseases can influence insurance companies to offer you reasonable rates. Heart disease, cancer, diabetes and stroke are no longer uninsurable conditions.
• Insurance companies just want to see proof that you're improving your health.
• Lowering your weight and controlling your cholesterol or blood pressure with a low fat diet, regular exercise or medicines can result in a reduction in insurance premiums.
• You can't change your family´s medical history but you can certainly take care of your own with regular check-ups and by practicing healthy habits. Your clean bill of health counts with insurance companies too.
• If you smoke, the surgeon general says quit. So do we. Insurance companies judge smoking as a critical risk factor in determining your premium. Do yourself a favor, kick the habit. For your life, as well as your life insurance.
• If you quit now, your rates will drop significantly if you re-submit your "healthier" non-smoker status to insurance companies a year later.

Any Life Insurance questions, call one of our Life Insurance specialists at 1-800-521-7873-

If this doesn't motivate you we don't know what will.

Oh yes, how about saving some money on your life insurance policy?

If you end up paying more, don't get mad at the insurance companies.

Get mad at yourself!

For lifestyle tips and medical information to get you started, check out some of the leaders in the business of making you healthy!

American Heart Association

Fit in America