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Life Insurance and Wellness
Life insurance and wellness are two things that have a bearing on most people’s lives. Whether you’re a parent, a spouse, a sibling, or a dedicated community member, life insurance is in the back of your mind. And what about wellness? If you’re not an active and physically fit adult, you’re sure thinking about it all the time. Adults either fall into the category of fit or, well, not fit. Everywhere you go, you’re faced with imagery and motivational magazines of getting your wellness together.
So what do these two things have in common? As it turns out, they have a lot. Your wellness can directly affect your life insurance premium, and you’re “unwellness” can directly alter your life insurance premium. Think about it from the life insurance company’s perspective. Shoveling out a discounted life insurance premium to someone who is significantly overweight is a bad investment on their part. But, if they reward a highly active individual with affordable insurance rates, they’re not only providing an incentive for people to keep exercising, but also making a smart investment on their end.
Now you may be thinking to yourself, this sounds all fine and dandy, but where do I get started with learning more about life insurance and wellness? Is this really true? You start at the beginning of every information quest today: the Internet. The advent of the Internet has opened up the possibility of cheaper life insurance for all.
In years gone by, if you were considering life insurance you would probably have invited an insurance salesman from your favorite insurance company to meet you or alternatively gone to your local insurance broker. But rarely would you have been courageous enough to get competitive quotations. It just wasn’t the norm. You trusted the salesman to do the best for you and surely you thought, life insurance is somewhat technical and requires specialized knowledge. All very cozy. All very expensive. How life has changed!
People now realize that life insurance is not that complicated. If on a scale of 1 to 10, buying car insurance online rates 9, life insurance must be a 7 or 8. This has opened up the Internet as a prime arena for cut-price life insurance. That’s not to imply that life policies bought on the Internet are in any way substandard. No, you’re most likely to end up with a policy from one of the UK’s big insurers like Norwich Union or Legal & General and they’ll be exactly the same policies as you could buy anywhere else. It’s just that the intense competition on the Internet and efficiency and simplicity of the system, means that most online brokers decide to cut the commission and roll back the savings into lower prices.
Ah yes I hear you saying, 7 or 8 implies that life insurance is more complicated than car insurance. Yes it is - but that doesn’t mean that it represents a problem. The companies selling life insurance online recognize that many clients feel that some level of personal advice is useful and indeed, necessary. They accommodate this with a mix of useful information on the web site and more often than not, with a short telephone conversation with a life insurance adviser prior to you buying. This provides reassurance and helps to ensure you really do get the policy options you need all at rock bottom prices.
Where to find wellness life insurance
So now that you know how to utilize the Internet like never before for securing desired life insurance, it’s time to invest in your wellness and learn about life insurance companies that reward you for it. Not every life insurance company out there is going to reward you for your fitness levels… yet. It’s important to do your research and make sure you’re being rewarded for your physical commitment.
One example of a life insurance company that has caught onto the health movement is John Hancock. They will lower your annual life insurance premiums when you present them with medical proof of your fantastic physical condition. It’s as easy as that. Once they see how healthy and well-functioning your heart and lungs are, watch your life insurance premiums get cut in half.
Other life insurance companies are incorporating FitBit watches and other exercise wearables to track their client’s healthy activity. A perfect way for them to monitor your habits, and an even better motivator to keep your physical activity moving, FitBit watches log all of your exercise in a given day. The next time you go to the gym or for a run, clip it on and watch it save you money.
Get started today
All of these life insurance options are available and waiting for you right through the screen of your laptop. In an age where everything is computerized and transferred through cyberspace, you no longer need to walk in and shake the hand of an “expert” life insurance broker. These same brokers are now sitting at insurance headquarters reading your wellness reports instead of heckling you over the phone. They can get the cold, hard proof today, and you don’t have to succumb to outrageous pricing fees and inflated rates. One good thing about the information age is both the companies and the clients have all the information they could ever need right at their fingertips.
Don’t fall for the in-person life insurance scam anymore. Take your life and your savings into your own hands, and find a life insurance company that is dedicated to rewarding you for your wellness. It can all be done right from the comfort of your living room.