Life Insurance For Overweight Individuals Fort Lauderdale Florida FL
Reader’s Question:
I don’t understand why a life insurance provider here in Fort Lauderdale, Florida would charge more on premiums just because someone is overweight, can you explain?
Sarah
Fort Lauderdale, FL
The reason why life insurance premiums are higher for obese and overweight people would be due to the long-term implications caused by excessive weight towards an individuals health and lifespan. Life Insurance is all about the business of risk. Any medical or health conditions that you have, the type of jobs you take and the type of activities you participate in would all be constantly evaluated by your life insurance provider there in Fort Lauderdale, Florida to determine if you will have a long life. The higher your risk of dying the higher life insurance premiums you will be charged by the provider to compensate for the said risk.
So being overweight exposes you to higher risks of contracting illnesses such as diabetes, high-cholesterol levels, hypertension (high blood pressure), coronary heart disease, sleep apnea and a plethora of other illnesses that could cause you to die sooner. Another reason that life insurance premiums for overweight people are so high is due to the escalating number of people in the country that are overweight or obese (more than a hundred million Americans to date are overweight and about 62 million adults are considered to be obese) further increasing the risk life insurance providers take to provide coverage. The good news is that if you are able to show you live a healthy lifestyle and is taking steps to manage your weight, you could expect your insurance premiums to go down.
Tags: Obesity Life Insurance, Life Insurance, Advise, Life Insurance Information
Non-Smoker Life Insurance Coverage For Lauderdale Florida FL
Reader’s Question:
Would I benefit more from a Life insurance policy if I am a non-smoker? I would want to get one since I just had a daughter.
Laquisha
Fort Lauderdale, FL
Yes, you will definitely save a lot of money by being a non-smoker towards your life insurance costs there in Fort Lauderdale, Florida. On average, smokers pay three times more for life insurance as would a non-smoker with the same amount of death benefits or “Face Value” amount on the same life insurance policy. If you go through various life insurance portals on the web and run a life insurance quote check, you will notice the significant difference between those who are tagged as “smokers” and those who aren’t with most, if not all, life insurance providers. For example, one provider may quote you $27.00 monthly for a “Face Value” worth $500,000 while the same carrier will quote someone who smokes roughly $68.00 with the same Face Value.
Life Insurance Providers reward people who maintain a healthy lifestyle. Smokers, apparently get the shorter end of the stick. By staying away from cigarettes and too much alcohol as well as other unhealthy, even, hazardous substances, they lessen the chances of dying pre-maturely or getting long-suffering illnesses. The lower your risk of untimely death, the lower the risk of a life insurance provider having to pay lots of money in death benefit and the more their business grows, so discounts are passed onto you in the form of lower rates. As mentioned, shop around Online for the lowest rates you can get on a Non-smokers life insurance policy.
Tags: Smokers Life Insurance, life insurance, advise, life insurance information