How New Years Resolutions Can Help You Save On Term Life Insurance

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Sharon Taylor

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Title: How New Year's Resolutions Can Help You Save On Term
Life Insurance
Author: Sharon Taylor
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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 http://www.equote.com/ term life insurance
rates, quotes and useful life insurance resource information.

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