How to Lower Your Life Insurance Rates Without Changing Companies

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Did you know that if your life insurance policy was rated in a way that cost you more money, you might be able to have it reconsidered?  That’s right. If you were significantly overweight, had a disease, or practiced a poor lifestyle choice such as smoking, there is a chance that you are not paying optimal rates for your life insurance. The good news is that if you have had a change such as losing weight (and being in what’s considered healthy for your body style), quit smoking, or had a cure or healing from a disorder, some insurance companies allow you to have a new medical exam and will lower your rates if you qualify for a better plan.

What does this mean for you? Well it might mean a lower rate, which is more money in your pocket, or more money to invest (or get more insurance with.)

I encourage you to look at your policy and determine if you were charged higher premiums due to you health, and if you haven’t made those changes, get on track.  Here are some tips to help you get to optimal health:

  • Consider a lifestyle change. Diets don’t work long term, but lifestyle changes do.
  • Eat healthier. Cut the carbs and sugars and drink lots of purified water and eat lean proteins and vegetables.
  • Get some exercise.
  • Find a good doctor. If your doctor tells you that you have an incurable disease, don’t stop there, get a second opinion, and ideally from a naturopathic doctor.
  • Stop smoking.
  • Get enough rest.

If you adopt a healthy lifestyles, you will make that policy work for you, because if you have the right kind of life insurance, it will be growing the longer you don’t have a claim.


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