span healthier than one that includes
class="cap">L ife large amounts of animal protein.
insurance is all about No animal protein and much less
calculating risk. When you take saturated fat in the diet means
out a policy, you and your vegetarians have a 40% lower risk
insurance company are both hoping of developing some cancers, and a
that you'll never have to make a 30% lower risk of developing
claim. Insurance companies are heart disease.
experts at assessing risk, and
Not all insurance companies
calculating how likely it is that take vegetarianism into account
a certain type of person will die when calculating premiums, but if
at any given age. you're a vegetarian your arteries
People are classed in categories, are going to be in better shape,
such as low-risk and you may have lower blood pressure
high-risk-depending on their age, and cholesterol, so those factors
health and lifestyle, and those can help you get lower premiums
high-risk people pay much higher with some providers.
insurance premiums, because
Lose Weight
they're more likely to die sooner
Obesity increases the risk of
rather than later. How can you cancer, diabetes, hypertension
make sure you're in the low-risk and heart disease, and on
category? Try following one or average, obesity reduces life
more of these five expectancy by nine years. Not
suggestions.
surprisingly, insurance companies
Become a Vegetarian
view obesity as a risk factor,
Some insurance companies are and the higher your body max
beginning to include diet in index, the higher your insurance
their risk assessment when they premiums.
calculate premiums. They know
If you're overweight or obese,
that a meatless diet is much you're paying a much higher
premium than you need to and, mountain-climbing and
you're reducing your life bungee-jumping. If these are your
expectancy as well. Losing weight favorite sports, you're going to
will cut your insurance premiums pay much more for your life
and might just give you a new cover.
lease of life too.
However, even if you're not an
Women: Get Covered Before extreme sports lover, it might
Getting Pregnant
pay to check your premium and
Insurance companies view find out how your favorite sports
pregnancy as a high-risk are classified. Some insurance
condition, due to illnesses that companies put much safer sports
may affect pregnant women. For such as horse-riding in the
example, previously healthy women high-risk category, so you're
may develop diabetes or better off finding an insurer
hypertension during pregnancy, with more favourable sporting
literally without warning. If you classifications.
are pregnant when you apply for
Give Up Smoking
life cover, you can expect much
The new emphasis on obesity
higher premium quotes than you'd doesn't make the risks of smoking
get either before or after any less. Insurance companies
pregnancy. You'll typically pay still charge smokers up to twice
at least 50% more for premiums if as much for their insurance
you apply while pregnant. To keep premiums as they do non-smokers.
your premiums low, buy life cover If you're a smoker, kicking the
before getting pregnant.
habit will save more on your
Give Up Extreme Sports
insurance than any other
Also on the long list of lifestyle change.
things that insurance companies
view as risky are extreme sports
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About the Author:
Of all the ways to save money on life cover, shopping around to compare life insurance quotes from as many providers as possible is the most effective way to cut your premiums. You can compare as many as twenty UK insurers in seconds, most at discounted rates by visiting http://www.life-saver.co.uk.
Article Tags: companies, insurance, risk
