THURSDAY, DECEMBER 20, 2012
It's no secret that getting healthy and staying in shape is the key to living a longer, happier life. But did you know that getting healthy in 2013 can also save you money on your life and health insurance?
Get Healthy and Reduce Insurance Rates
Life and health insurance rates are based on many factors including your current health and indications of what your future health might look like. If you get healthy in 2013, you stand to qualify for reduced life and health insurance rates on new policies. If you already have a life insurance policy, you may be able to send a doctor’s note to the insurance company after you quit smoking for 24 months or longer or have made other significant health improvements and get them to re-underwrite your policy and make premium adjustments.
When it comes time for health insurance renewals, the better your health is the fewer claims you will have had and the more likely that your health insurance company will renew your policy and will give you a rate you can easily afford.
Secure Insurance Rates before You Age
The younger you are when you secure your life insurance policy, the lower the insurance premium will be. When you're young and in good health you can secure a whole life insurance rate that is affordable for your entire life.
Reduce out-of-pocket expenses
Barring an unforeseen accident or illness, your good health will likely result in fewer emergency room visits, doctor’s visits, medications and treatment expenses. If you have a high deductible health insurance plan that means you will spend less money on healthcare costs each year. With an HMO, you will see significantly less paid out in co-payments.
Give us a call and allow us to help you find the most affordable life and health insurance rates in 2013 and get tips about how you can reduce your life and health insurance costs over the years.