The advice from life insurance companies is simple: choosing and maintaining a healthy lifestyle can lower your life insurance premiums. As you look for ways to reduce your life insurance premiums, whether you are shopping for life insurance or already have a policy, here are the top three things to keep in mind:

  • Lying on a life insurance application can have serious consequences, up to and including your claim being denied after death.  If you smoke, for example, but tell the insurance company you don’t, the insurance company could deny your claim after your death if it discovers you were a smoker. This article reveals some of the top lies people tell on life insurance applications.
  • If you have a healthy lifestyle now, don’t be shy about advertising that fact to the life insurance companies you are considering.
  • If you want to change lifestyle habits and already have life insurance, don’t be shy about letting your life insurance company know about the changes.

Lifestyle changes to increase health and longevity and lower life insurance rates

At the time of choosing your life insurance package, you will be able to set a premium – think very carefully about this figure. The higher it is, the higher your monthly payments will be. Think of your premium in terms of your current salary – how many years’ worth of income would you like you beneficiary to receive? Besides that, it is handy to bear in mind these simple statistics, and to find a way to make sure that they are not conflicting with your own insurance:

  • Smoking caused 79,100 preventable deaths in 2011
  • Obesity — 34,100
  • Alcohol — 6,669
  • Road traffic accidents —1,850
  • Illegal drugs —1,605

ü  Quit smoking.

Try to stop smoking

Try to stop smoking

“Giving up smoking is the easiest thing in the world. I know because I’ve done it thousands of times,” said American author Mark Twain.  Quitting is possible.  Millions of your countrymen and –women have done it.  In 1972, just under half of UK adults were smokers.  In 1990, smokers accounted for one-third the adult population.  In the early 2010s, smokers make up just one-sixth of the adult population. Get more facts and find out more about how to quit smoking, or start on your own today by investing in an e-cigarette.

ü  Maintain a healthy height-to-weight ratio.
In other words, eat well (most days) and exercise (most days).  As the nationwide impact of obesity becomes clearer and more families look for easy ways to clean up their eating habits, more companies are leaping onto the “fast, healthy food” bandwagon.  If time is an issue, look for pre-prepared healthy foods.  Otherwise, focus on the simple goal of adding more green vegetables, fresh fruit and lean meats to your diet and minimising white flours and refined sugar.  Exercise doesn’t require a fitness club membership.  Park as far away from the shop entrance as possible; walk to pick up your children from school; take a family walk after dinner. Combine your hobbies with keeping fit and you won’t even know you’re doing exercise.

ü  Wear your seatbelt!
Seatbelts have been the law in the UK since the mid-1960s.  Wear them.  Insist that your passengers wear them.  Give yourself 5-10 extra minutes when traveling somewhere by car, to discourage the dangerous choices that seem compelling when we are running late.

ü  Don’t do drugs or drink to excess.
Sorry to sound like a health education class or your mother, but these are two final, clearly effective ways to prevent serious illness and death.  Heavy drinkers may find their premiums increase by 300%, while users of Class A drugs will be declined life insurance (info via a Moneynet survey). Avoid drugs and alcohol and you will increase your odds for a longer, healthier life.


* Source: “Smoking Statistics: Illness and Death,” Action on Smoking and Health, April 2013

About The Author


I've worked as an Occupational Therapist for many years dealing with physical and mental health patients, both in hospitals and the community. Living a healthy, well balanced life with a good diet, regular exercise and a taking a positive outlook are crucial to becoming a very well being indeed - sometimes easier said than done!

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