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SolveYourProblem
Article Series:
Health Insurance
Keep
Your Insurance Premiums Down:
Stay Healthy
Stay healthy, so you can switch plans. All
health insurance plans have rate increases, and you have even
seen premiums jump on some HSA plans. If a rate increase happens
to you, you can switch to a different insurance company - but
only if you pass their underwriting requirements. If chronic
disease develops, you may be stuck with your current plan,
and its accompanying rate increases, for eternity. Or at least
it may seem that long. If you pay attention to the pharmaceutical
commercials, you learn lifestyle really has nothing to do with
disease, and it is natural and healthy to be on many medications
for the rest of your life, which will then solve your health
problems. If you pay attention to the science, you know the
truth is quite different. It appears lifestyle is probably
95% of the picture, and you know the occurrence of degenerative
disease can be dramatically reduced and even prevented.
Fortunately, many customers are interested
in wellness, and disease prevention. After all, they're paying
for their own
doctor visits if they do get sick. It is because HSA owners
are "forward thinking" people, and like to plan for
their future - both financial and physical. You can improve
your odds of excellent health with just a few key habits: Eat
very high quantities of fresh vegetables and fruits. Shoot
for 35% of your calories. This will lower your risk for diabetes,
high blood pressure, heart disease, cancer, and more. Limit
your intake of sugar and starchy carbohydrates like bread and
pasta. The majority of health problems in the U.S. are related
to metabolic diseases that involve insulin resistance. Exercise
and lift weights. Exercise guru Jack La Lanne just turned 92
on September 26, and he says if you have muscles you never
feel old.
Life Quote Is About Life. Better Health Means Lower Insurance
Rates.
Most people get nervous about their health and how it can
affect their insurance rates. 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 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! Which is why it’s
a good idea to shop around.
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. 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 smoking now, your rates will drop
significantly if you re-submit your "healthier" non-smoker
status to insurance companies a year later. If this doesn't
motivate
you who knows what will. 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—your
doctor! Click here to to view health insurance quotes, compare plans side-by-side and apply for the most affordable health insurance within your budget. I did this myself (June 17, 2011) to change my health insurance policy. Saved me $84 per month (or $1,008 per year). It's my SolveYourProblem recommendation.
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by SolveYourProblem.com
: 2006
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