A Life Policy Is Your Safety Net

A Life Policy Is Your Safety Net

A Life Policy Is Your Safety Net

I'm sure we've all heard the speech about how important it is to take out a life policy, better known as life insurance, about a million and one times! By this time we all know that a life insurance policy is there to provide for ourselves or our families in the event of a sudden death or disability. We also know that it is important to shop around and compare quotes before committing to a specific life policy. On top of that we are also aware of the fact that if we obtain a life insurance policy early enough, it will not cost us an arm and a leg. So what is really left to discuss?

Insurance is not free! In a perfect world maybe, but this world is not perfect. Insurance is basically a form of risk management. Each month you faithfully pay your insurance premiums - this will act as a safety net when an accident or other emergency occurs and these premiums are quite small if compared to how much you could lose in case of a such an accident!

So now that you know how important a life policy is, and that there is no way around it, maybe it's time to start investigating how to get the best policy for your money! Are there ways to save?

The cost and the type of life insurance are influenced by a number of different factors. These factors can include anything from your gender and medical history, your age and your lifestyle to the level of cover taken. Of course you cannot change certain factors such as your gender and age, but you can definitely make some changes to your lifestyle.

The following 2 steps should be considered if you are looking at getting a lower premium on your life policy:

Exercise more and eat healthier foods. If you are seriously overweight this can result in a number of potentially life threatening problems. High blood pressure and cholesterol levels are two of the first concerns that come to mind. Of course this also increases your risk of having a heart attack substantially. Get out of that lazyboy chair and go walk around the block a couple of times. Start out slow, no need to try and run a marathon on your first day!

Give up smoking. We all know that smoking is harmful to our health, but did you ever stop to consider that this bad habit can end up costing you money? And I am not referring to your weekly box or six of cigarettes! Smokers are seen as high-risk clients as the probability of contracting a life threatening disease is quite high. Lung cancer, emphysema and other illnesses are often associated with smoking. If you can give up smoking for at least 12 months you will not only save tons of money on the cost of cigarettes, but you will also live a healthier lifestyle and thereby increase your life expectancy which will in turn result in a reduction in your life insurance premiums! A pretty positive snowball effect, don't you agree?

With a couple of minor changes to your lifestyle, you can soon be paying less for your life policy. You will also feel much better and healthier, so you really have nothing to lose and all to gain!

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