Weighing Up Your Life Insurance

Britain, as a nation, is getting bigger. Obesity costs the UK an average of 20 billion per annum in disability pay and lost tax payments, and around 15 billion per year for NHS fees, as obese people tend to visit the doctor more frequently. The Government estimates that by 2025 33% of girls and 25% of boys will be of a weight which is hazardous to their health, or clinically obese.

Naturally, these predictions are causing the life insurance companies some concern. On many applications you are asked your current weight - i.e. your weight on the day you fill in your form. If the insurer doesn\'t like the answer you may find yourself with a significantly raised premium, or even refused cover altogether.

The toll that extra weight takes on a body is well-known by insurers. Obesity can lead to high blood pressure, high cholesterol and heart problems, among other things, all of which make you an insurance risk. For example, a 40 year old man, 5\'10\" tall and weighing 12 stone could pay a much lower premium than a man of the same age and height weighing 18 stone. Likewise, women weighing more than 16 stone tend to be quoted more than their lighter counterparts.

Of course, if you are overweight and paying a high premium, this can be reduced by losing weight; either by diet and exercise, anti-obesity medications or, in extreme cases, gastric bypass surgery. The latter isn\'t suitable for everyone but can help a severely overweight person to begin losing weight.

Never be tempted to shave a few pounds off your weight in order to get lower premiums; if you have to make a claim it could be refused because you weren\'t honest with your application.

Save money on your life insurance by leading a healthy lifestyle. Obesity is a major factor in term assurance premiums. Lose weight - your life assurance might just depend on it.

New Research Shows Losing Weight Can Save You Money More Reasons To Stick To That Diet
The numbers are staggering, with a reported 65% of Americans weighing in as overweight, and according to the American Obesi...

Life Would Be Far Easier If We Had One-Size Health Insurance For All
The cost of health insurance and the cover provided varies considerably depending upon whether insurance cover is arranged on...

New Trends in the Florida Health Insurance Market
With health insurance premiums headed through the roof, many people are having to make some difficult choices. The least d...

Dirty Little Secrets That Keep You Awake at Night
No one is perfect, nor does anyone expect you to be, but adding unnecessary stress and drama in your life is a sure-fire way ...

Creating a Fan Club
One of the big mistakes people make is trying to build a great career and life on their own, without any help from others.In ...

What Is Group Term Life Insurance? What Is The Benefit Of Group Term Life Insurance?
Group term life insurance is the term used when term life insurance is taken in a group. Mostly employers usually take the gr...

Term Life Insurance Help
Life insurance can be a very scary thing. If you buy insurance when you're 30, but don't die until you're 90, chances are yo...

Is Yonkers Term Life Insurance Right for You?
Life insurance, we all should have it, unfortunately, not all of us do. Many Americans are provided with life insurance thro...

Term Life Insurance - What To Do When It’s The Best For You?
Term Life Insurance has some disadvantages and advantages. However, there are times in your life when it's not just your best...

Life Insurance
The life insurance helps you to be sure of your future. The life insurance has the responsibility to help people decide about...

Everyone Wants Affordable Whole Life Insurance Quotes
Although term life insurance looks cheaper when you request free quotes, a whole life insurance quote can be well worth getti...

Term Life Insurance Rates
A term life insurance covers a person for a substantial period of life, such as ten, twenty or thirty years. A person has to ...

Life Insurance Rates - These Policies Offer The Best Life Insurance Rates
Life insurance rates are different for each type of policy. There are basically two different types of life insurance that mo...

Term Life Insurance and Permanent Life Insurance
Term insurance and permanent insurance are two basic types of life insurance. Term life insurance is temporary, and it covers...

This Is By Far Your Best Cheap Life Insurance Option
If you are in need of a cheap life insurance policy then I'll tell you something right up front and I'm going to be brutally ...

Cheap Term Life Insurance - This May Be Your Best Option
Are you in need of life insurance protection but don't know what your best option is and don't have a lot of money to spend? ...

A Free Term Life Insurance Quote Is Very Easy To Obtain
By searching online for life insurance, you can get a free term life insurance quote with no obligation to buy. In order to g...

Is a Life Insurance Comparison Really Necessary?
When you want to purchase a life insurance policy, you really do need to do a proper life insurance comparison. This is to en...

Life Insurance
Life insurance is the policy you take out to protect your family and loved ones when you are gone.How would you feel if the p...

Where to Compare Life Insurance to Get the Best Rate
Whether or not you are the main bread-winner for your family, your death can leave them in financial trouble. Its easy to com...