We all reach a point in our lives when we realise the importance of life insurance. Unfortunately, the longer we put it off, the more likely it is that our premiums will be significantly higher. If life insurance is something you have started thinking about recently, we want to share some tips on how you can improve your lifestyle and get your life insurance costs down.
Be Mindful of What You Eat
Of course, eating healthier can massively enhance your health, but a brilliant byproduct of being healthier is reducing the premiums of life insurance. Life insurance in Australia can come at a high cost for those who aren’t mindful about what they eat, so this is a great place to start. If you aren’t quite sure where to start, the internet is your friend. There are numerous meal plans available online, and the best thing is, you don’t even need to pay for the vast majority of them!
Exercise Whenever Possible
Those who achieve around 2-3 hours of moderate exercise each week will be at a much higher advantage when looking into life insurance quotes. Simple hobbies, such as walking, cycling, or swimming, can make a massive impact on our lives, and it is something we should try our best to do. If you lack the motivation to exercise solo, it might be a good idea to scout local clubs and organisations that run group classes or even team sports.
Manage Your Stress
Individuals who deal with stress are at a much higher risk of several health issues, such as weakened immunity and heart disease.
Finding ways to manage our stress is one of the most essential aspects of living a healthy life. Try incorporating hobbies like yoga, meditation, or even deep breathing exercises into your regular routine – they really do work wonders.
Get Regular Health Screenings
Nobody likes going for a routine check-up, but the more often we do it, the more we can ensure our health is in peak condition. This will also provide evidence for your life insurance provider and significantly reduce costs.
Limit Your Alcohol Consumption
For those who enjoy a drink on the weekend, we all know how important it is to limit our consumption. Excessive alcohol consumption can lead to high blood pressure, liver damage, and increased cancer risks. Those who drink less will be much healthier, and therefore, they will always get the best deals when it comes to life insurance.
Maintain a Healthy Weight
As we get older, it can be challenging not to carry a little extra weight. However, life insurance providers will often look at our BMI before providing a quote. Maintaining a healthy BMI is a clear sign that we care about our health, making us less of a risk for insurers.
Keep a Safe Driving Record
We all know that we should drive safely, but did you know that a driver with fewer or no accidents is much more likely to be offered lower premiums when applying for life insurance? The cleaner your driving record, the better off you will be in multiple ways.
Final Thoughts
We know it might seem like a lot to do, and we understand how busy life can get. However, the more small changes we can make in our lives, the healthier, happier, and wealthier we can potentially be. If you haven’t got life insurance yet, we highly recommend investing as soon as possible and doing what you can to get your premiums down.
