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How New Year's Resolutions Can Help You Save On Term Life Insurance

May 3, 2008
Everyone who is considering, or has considered, life insurance is generally looking for lower term life insurance rates. Most everyone follows a simple tradition during New Years - the "New Year's Resolution." What many do not consider, however, is that these two things can affect each other. Some popular New Years resolutions can actually help you lower term life insurance rates. New Year's Resolutions often include quitting drinking, smoking, and overeating which can all lead to lower rates.

There is one little know fact about term life insurance that few people know about. You may request a new medical exam for insurance company purposes at any time, and as often as you want. While the company cannot raise the cost of your insurance from these exams, they may lower them with improved health. Not every company will do this so it is important to understand your company's policies before you actually get life insurance. This is important to know, as this can help those who currently have insurance.

Weight and Term Life Insurance Rates

Weight is something that is constantly considered when calculating term life insurance rates. If you are overweight by more than 30 pounds over your "healthy weight," you may pay a premium that is higher that if you were at your "ideal weight." During New Year's, there are many people who year after year, say that their New Year's resolution is to lose weight. This may be the motivation they need. If you have received a term life insurance rate at a certain weight, losing weight may lower the premium. Simply losing weight over the course of time can eventually lead to a decrease in cost. If you are looking to lose weight you should know what the "healthy weight" is for you. This is different for most every individual. These numbers are created by considering your height, age, and gender. Knowing this number can give you a real goal for weight loss. Having a goal is important. It's one thing to want to lose weight, but having an attainable goal can help you to stay focused and committed to losing the weight. Read more about term life insurance rates at http://mysoulfulthoughts.blogspot.com/2007/11/equote.html.

Alcohol and Term Life Insurance Rates

For those who drink, and are considering a New Year's resolution, there is good news. Watching your drinking habits and keeping consumption at minimal levels for multiple years can help to dramatically reduce your term life insurance rates. Because insurance companies look at more than just your medical record, drinking can play a factor. Many insurance companies will look at your driving record. Any DUIs or related infractions involving alcohol will show up. This is a red flag to the insurance company, and may lead to a higher rate. Staying free alcohol for multiple years will help dramatically. Eventually, these things leave your public record, and cannot be used for consideration on your term life insurance rates.

Smoking and Term Life Insurance Rates

If you are attempting to quit smoking as a New Year's resolution, there is more good news. Those who are considered lighter smokers, or non smokers, can get far better rates on term life insurance than those who are considered smokers. If you are considered a heavy smoker on your current term life insurance rates, quitting can help. Each company is different in terms of how they measure smoking and usage, but knowing this and striving to reach it will do wonders for not only your health, but also your rates. Find out more regarding term life insurance rates by checking out http://www.stefanoberti.com/get-the-best-quote-for-your-insurance.htm.

Using term life insurance rates when looking at New Year's resolutions can help to be that extra boost that is needed to stay on course and actually stick to the goals that you have laid for yourself.
About the Author
Sharon Taylor writes articles on life insurance related topics for eQUOTE Life Insurance, a premier Internet resource for term life insurance rates, quotes and useful life insurance resource information.
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