LOWER

YOUR
BOTTOM
LINE ON YOUR
HEALTH INSURANCE

by
Lin Stone
.

  Live Better
and
Save Even More

Back when I was a kid in the forties and fifties there was a bitterly humorous saying: “The only way to get a loan is to prove you don't need it.”

Well, IF YOU CAN PROVE YOU ARE STRONG AND HEALTHY YOUR HEALTH INSURANCE PREMIUMS really WILL BE A LOT LOWER.

Any time you want me to prove the truth of that statement, whiz over to http://www.talewins.com/Life/company.htm and fill out two applications, one with all your current aches and pains listed and the second one as if you were walking with a spring in your step and a sparkle in your eye.

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How healthy you are has a tremendous influence on the final size of your health insurance premiums. Smart insurance companies will not only assess the state of your health they will want to know how healthy your parents and grand parents are. Consequently, before you fill out the form you might want to yell out the back door -- “Hold up on that hip replacement Grandma, I'm applying for health insurance.”

Once you accept the truth of my statement it is easy to see that by improving your health you are also improving your bottom line in health insurance coverage. Gee, improving your health will make you feel better TWO ways!

Improving your health saves money on your premiums, and it can also save money at the supermarket. Eating healthy costs less. Living healthy costs less. Add all these savings up together and you might be able to afford a new car.

I won't go into the mechanics of eating better or living better here. You'll find my contributions and those of several other wonderful authors HERE at HealthBuilders.

Stay Healthy and

Keep your Insurance Premiums Down

Stay healthy, so you can switch plans if you have to, and you can usually save money by doing so. You will discover over the years that ALL health insurance plans have rate increases, and you will live to see the day that premiums jump even on some HSA plans.

If a rate increase happens you can switch to a different insurance company - but only if you pass the new company's underwriting requirements. If some chronic disease has developed over the years, 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 will led to believe that lifestyle has nothing to do with disease, and that it is natural and healthy to be on many medications for the rest of your life. Just pop your pills and they will then solve your health problems.

If you pay attention to scientific findings, you know the truth is quite different. It appears lifestyle is probably 95% of the picture, and you already know the occurrence of any degenerative disease can be dramatically reduced and even prevented by your lifestyle.

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Better Health Always Means
Lower Insurance Rates.

Fortunately, you can improve your odds of excellent health with just a few key habits:

  • Eat very high quantities of fresh vegetables and fruits. 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 says that if you have muscles you never feel old.

***

Most people get nervous about their health and how it can affect their health insurance rates. Well, your health is also a key issue in how much you'll pay for Life Insurance.

Life Insurance Facts:

Cigarette smokers usually pay at least double the premium for life insurance than non-smokers.

People, who are overweight, have high blood pressure or high cholesterol can also expect to 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 any 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.

Good Insurance;  GREAT PRICES!
Click This Button And See
If We Can't Save you Over $100

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 always uninsurable conditions.

Insurance companies need 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 can't improve your health and still end up paying high health care premiums, don't get mad at the insurance companies. Get mad at yourself!

About the author: Independently less than wealthy, Lin Stone is an author, writer and photographer living in Mena Arkansas among the gentle mountains known as Ouachita. His writing has appeared in almost one hundred magazines and Browzer Books has published seven of his books so far with more in the works.

Basics  *  Examine Your Choices  *  Explaining HMOs  *  An In-Depth Look At HMOs  *  What is a PPO?  *  Your POS Plan, In Detail  *  Smart Shopping  *  Exclusions and Limitations  *  Live Better and Save More  *  Your Bad Habits Can Kill Your Pocketbook  *  Lessons From Your Lifestyle  *  For The Working Family  *  COBRA can Save You  *  Go Overseas and SAVE a Bundle!  *  Contact the Owner of this Site  *  Explore Everything on this Site 

Read the fine print: My two lawyers say I must warn you to see a lawyer before trying any of the strategies in this book. You are my witness; I have told you. “Consult with a lawyer before you try any of these techniques.”