When you apply for life insurance, one of the most important ways an insurance company will determine your overall risk is by assessing how healthy you are. Evaluating your health before you apply for life insurance can be an eye-opening experience. Take a good, hard look at your health. Get a copy of your medical records and examine them in detail. If you fall into the average health category, you can find ways to improve your health and pay a lower premium. Because evaluating your own health is often very subjective, it is important that you visit your doctor for a complete physical examination.
If you are in good health, it means that you are living a healthy lifestyle and aren’t suffering from any major health problems. Your blood pressure falls within the normal range, and your weight is right where it should be. People who have good health often exercise on a regular basis. They usually are part of a fitness program and may even participate in group activities. They rarely smoke or drink alcohol. However, it’s important to remember that genetics also plays a role in determining a person’s overall health.
A person with average health will normally be a few pounds overweight and doesn’t exercise as much as they should. Their diet may need some improvement, and they may be borderline diabetic. Most of them use tobacco products and consume two or more alcoholic beverages a week. A person with average health usually doesn’t cope with stress very well and has higher than average blood pressure. While they won’t go to the doctor for health screenings, they will call and schedule an appointment when they aren’t feeling well. A person who is considered to be average in terms of their health is not completely unhealthy. Nonetheless, if they add healthy habits to their lifestyle, they may be able to improve their health.
Individuals who find themselves in poor health are often those who have been diagnosed with obesity, diabetes, high blood pressure, and other chronic health conditions. Those who are in poor health normally don’t exercise at all and rarely eat healthy foods. Some have poor sleep habits and are at constant risk of serious health conditions like heart attacks, strokes, or cancer. Many use tobacco products and consume alcohol regularly. A person in poor health rarely goes to the doctor and will normally disregard the need for annual health screenings.
Working on Your Health
You can take steps to improve your health at any point in time. Even if you have poor health, you can take steps to lead a healthier lifestyle. For example, you can stop smoking, reduce your intake of alcoholic beverages, and eliminate fried foods and sugar from your diet. You can also become more active and learn ways to eliminate stress from your daily life. Incorporating healthier habits in your day-to-day routine will gradually improve your overall health and well-being.
Life insurance is a good idea for everyone. Our experts at East End Insurance Agency can help you find a life insurance policy that will provide you with all the benefits and features you need. Call and talk to one of our agents today to get started on your personalized life insurance coverage.