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Life Insurance for Athletes Heart
Athlete’s Heart, an athletic bradycardia or exercise-induced cardiomegaly, is a non-pathological condition commonly seen in sports medicine, in which the human heart is enlarged, and the resting heart rate is lower than normal. This may sound serious and incurable, but it’s actually not physically threatening at all. Have you ever felt the pulse of a long distance runner? Their heart probably beats about 40 times a minute. Far lower than an average resting pulse, there are zero health implications for a slower heart rate. If anything, it’s giving the heart a break.
Having Athlete’s Heart is a direct result of working out for more than 1-2 hours every single day for an extended period a time. Indicative of a dedicated, hard-working athlete, there are no problems with Athlete’s Heart. Bodies adjust to their requirements and environments every single day. Athlete’s Heart is a way for the body to prepare for intense physical activity every day. It’s amazing what the body can to do accommodate for a changed lifestyle.
Since this condition has it’s own “serious medical name,” you’re probably thinking it has bad implications for life insurance. Quite the contrary, this condition shows doctors, and subsequently life insurers, that you are one serious athlete. By being a serious athlete, you are less prone to heart attacks, strokes, obesity, panic attacks, and clogged arteries. Your body is far less susceptible to a sudden health malfunction that results in death. Life insurers want clients whose risk of death is far lower than unhealthy, overweight ones. Athlete’s Heart, through medical tests, demonstrates your lifelong commitment to exercise. It’s a smart investment on life insurers part to pick you up as one of their customers.
Now that you’re relieved about life insurance, it’s time to look at how to go about getting the right kind, rate, and company. Not many people know a lot about life insurance. It’s viewed as another redundant and unnecessary insurance, presenting a nuisance to working people’s lives. Let’s look at decreasing term life insurance as well as level term life insurance and what it means for your rate.
Should you buy cheap term life insurance? It’s an often-asked question to which there is a cheap and simple answer. If you have a mortgage or you have a partner, family or dependents that could suffer financial hardship as a result of your death, then cheap term life insurance is a must!
Cheap term life insurance, otherwise known simply as life insurance or term life is a cheap life insurance policy that pays out a lump sum upon your death. The premiums are very cheap and term life insurance policies are very easy to obtain. There are two basic types of term life insurance available from insurers – cheap decreasing term life insurance and cheap level term life insurance.
Cheap decreasing term life insurance
Cheap decreasing term life insurance is very cheap. For only a few pounds each month a cheap decreasing term life insurance policy will pay the balance of your mortgage should you die before it reaches full term. This type of term policy is called decreasing term life insurance because the sum insured decreases in line with your outstanding mortgage balance. The cheap premium remains the same for the life of the policy, making it an exceptionally cheap way to secure life insurance. A cheap decreasing term life insurance policy ONLY pays out a lump sum to clear your mortgage. This type of cheap term life insurance does not make any other provision for the loved ones you leave behind.
Like the level term life insurance, your premium and rate can be lowered by particular insurance companies with proof of your dedication to exercise. Make sure to present medical records that indicate the pristine condition of your fit body.
Cheap level term life insurance
Level term life insurance policies are not as cheap as decreasing term life insurance, although these types of term policies overall are still cheap, having only slightly higher premiums attached to them. The reason for the premium not being as cheap is that level term policies pay off your mortgage AND leave a lump sum to your partner, family and/or dependents. The sum insured through a cheap level term life insurance policy remains the same through the life of the policy, as does the cheap premium.
A cheap level term life insurance is recommended to run in tandem with your mortgage. However, a cheap level term life insurance policy can run differently from the term of your mortgage. For instance, you could take out a 10-year level term life insurance policy that is separate from any other cheap premium life policy covering your mortgage. The premiums on the 10-year insurance policy will not be as cheap because the term is short, but it will provide you with additional life insurance cover in the unfortunate event of your death.
A cheap level term life insurance is more encompassing than a decreasing life insurance, and more applicable if you have a full family. The same as the decreasing life insurance, your premium can be lowered by using exercise-rewarding life insurer’s with proof of your physical condition.
In both cases, make sure you do your research and work with a company that has fit discounts upon medical record collection. Life insurance isn’t too entirely complex to understand. It becomes even less complex when all of the available options’ pricing is cut in half because of your commitment to exercise. Pursue a term life insurance option to give your family a full safety net. You can afford it with an exercise discount.