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  • How does weight loss save money on insurance premiums?
  • December 23, 2013
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    Eating well and exercising are not only good for weight loss and your health but can also save you money on your life insurance policies.

    Because obesity is often linked with heart disease, heart attack and stroke, those considered overweight or obese are likely to face higher health and life insurance premiums.

    In fact, 2013 obesity rates have increased across all major demographics and socioeconomic groups. One exception is the 18- to 29-year-old age group who have remained relatively stable, in regards to obesity rates.

    The two major groups that saw an increase were those aged 45 to 64 and those who earn between $30,000 and $74,999 annually, according to a recent Gallup study. Obesity rates between these two groups increased 1.8 percent. Obesity rates have been on the rise since 2008.

    Gallup states that “if the current trend continues for the next several years, the implications for the health of Americans and increased burden on the healthcare system could be significant.” notes that money saved on life insurance premiums – by losing weight – could help pay for the policy itself. The website also notes that the best strategy for securing a low life insurance rate is to lose weight prior to applying for coverage. This is because few companies will change insurance rates if your weight has changed after the policy is enforced.

    Keep in mind that life insurance rates are currently at an industry all-time low, which makes getting a policy even more affordable.

  • Category: Articles Library, Life Insurance, Videos

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