Last Updated on August 5, 2016 by lifepolicyshopper
Running Reduces Risk of Death
Quick Tip: Complete the Instant Quotes form to receive an instant listing of carrier quotes - free - with no obligation. You can begin your free online research - right now...
Everyone knows running is incredibly good for their health and well-being. Running improves cardiovascular strength, ligament flexibility, blood and oxygen flow, and keeps your weight in check. Building time into your schedule every day to go for a run establishes a muscle strength and flexibility over your entire body. The discipline to go for a run like that creates an exercise habit that you’ll carry with you ‘til you’re too old to run. This habit is a model example for your family, your children, your spouse, and colleagues to uphold. Human beings are athletic creatures and our muscles were designed to get a workout every day – or else they never develop and go to waste. By running every day, your metabolism speeds up and it becomes easier to keep weight at a healthy, manageable level. In turn, the amount of fat in your arteries lessens, and the chance of a heart attack or stroke decrease immensely.
Basically, a regimented running schedule has more health benefits than we can describe. It is the best thing you could do for your body at your age. But what if we told you that this physical activity could also save you money by lowering your life insurance premium? Meaning, your dedicated running schedule can help your bank account while establishing a financial safety net for your family in the event something happens to you.
Life insurance companies today are rewarding this class of dedicated runners with lower insurance rates. An incredibly important insurance to have to ensure the safety and well-being of your family, life insurance will protect those you leave behind if something sudden and unexpected happens. Your children will be able to live the lives they deserve and not have to worry about affording education.
These companies believe you should be rewarded for your exemplary lifestyle. A smart investment on their behalf, taking on an individual with low risk for heart attacks is the ideal life insurance recipient. In return, you can now afford a life insurance rate that won’t hurt your bank account. You’re probably thinking: why haven’t I heard of this before? Little discussion surrounds life insurance, as it is often perceived as a complicated, morbid topic.
The average life insurance policy isn’t hard to understand. If you die unexpectedly, the insurer you are signed up with will pay out on the policy to give your next of kin a lump sum or an income according to the terms of your agreement. In most cases you will pay for your life insurance policy on a monthly basis for as long as the policy is in force and the payments here are usually referred to as premiums.
All this may simply be common sense but there are other things you need to know about a life insurance policy before you take one out. For a start it is absolutely vital that you read the terms and conditions of any policy before you buy it as this is where you will find all the information that you need to know before you proceed. The terms and conditions will give you an exact idea of what your policy will cover you against and what it won’t. Make sure you are signing on with a life insurance company that has a fitness reward, like John Hancock Life Insurers.
The fact is that your life insurance policy may not give you the fully comprehensive coverage you’re expecting and it’s important you understand the types of policies that are out there in the market place. The majority of policies will generally cover you against death by accident or illness but they will also take your past medical history into consideration before you’ll get coverage. Don’t, however, be tempted to lie about your medical history just to get the coverage you need and if you die and your insurer discovers that you haven’t told them the truth then you’ll invalidate your policy and they won’t have to necessarily make the payment on the policy. This is governed by the insurance laws in your state.
Use our live quote engine to find the lowest rate on life insurance
These particular clauses are generally known as exclusions. In most cases the majority of insurers will have the same kind of general exclusions but not all will be exactly the same. So, there are several different insurance companies out there that look at medical impairments differently. We have experience in finding the companies that accept the different type of medical impairments at the best rates and we find these low prices for you. Use our live quote engine to find the lowest rate on life insurance and then talk with us to review your health so we can place you with a company that best suits your medical profile. And if you do this – you will find the best policy that you can qualify for, at the best price.
Take the time to use our live quote engine and find a life insurance policy that fully examines and discounts your rate because of your stellar physical condition. Your medical records will reflect your excellent health developed from regimented running routines. You’ve got nothing to lose and everything to gain. Sign on with an exercise reward life insurer today and provide your family with the safety net they deserve.