My Cholesterol Level Affected My Term Life Insurance Premium
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July 5, 2006 | By: | 
Comments (1) |
The only problem is, I’m not 18 anymore, and my priorities have changed, to family, work, mortgage, gas prices, and sleep. In that order. And thanks to my great eating habits from my adolescents, I have this wonderful thing called “cholesterol” and “blood pressure,” which I’m now supposed to watch. Nah, not this guy, as long as you can fit into your elastic high school gym shorts you’re fine right? I wish! I learned this the hard way when I started to think about Life Insurance, and the needs of my family’s financial security if anything was ever to happen to me (like a clogged artery). So I decided to find out more.
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I ended up going to www.insweb.com and finding a rate for Life Insurance. After my agent scheduled me for a medical evaluation, I discovered (much to my dismay) that my cholesterol was high. OK it was really high, which attributed to a higher premium than someone with normal cholesterol levels. But hey, the cholesterol levels of approximately a quarter of the adult population in this country are higher than normal according to the InsWeb article “How Improved Health Affects Your Life Insurance Rates”. In fact there were a lot of key factors I didn’t know about that effects how much money comes out of my wallet due to certain health factors, and what I could do to get a better rate. Once I knew what I was up against, I was determined to lower my cholesterol and my blood pressure. With 3 months of hard work I lost 20 pounds and significantly lowered my cholesterol and blood pressure. Here are some tips for lowering your cholesterol, your blood pressure, your weight and your Life Insurance premium that worked for me.
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Lowering Your Cholesterol / Blood pressure
Eating healthful foods, like:• A variety of fruits and vegetables
• A variety of grain products like bread, cereal, rice and pasta, including whole grains
• Fat-free and low-fat milk products
• Lean meats and poultry without skin
• Fatty fish (enjoy at least 2 servings baked or grilled each week)
• Beans and peas
• Nuts and seeds in limited amounts
• Unsaturated vegetable oils like canola, corn, olive, safflower and soybean oils
Retain a healthy diet and lifestyle by:• Reducing salt and sodium in your diet
• Limiting alcohol intake (12 ounces of beer regular or light, amounts to 150 calories!)
• Quit smoking
Losing Weight by Exercising
• I do a 20 minutes of cardio workout at least three days a week, along with a healthy diet, this was very effective in shedding of the lb’s.
Also talk to your doctor about cholesterol lowering medication, there are a lot of options out there these days.
There are plenty of resources out there to leverage to help you get you healthy again, but don’t weight until the life insurance policy premium is looking you back in the face! Take the first step toward achieving a more healthy body that will grant you a longer life, and a cheaper Term Life insurance policy!
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Comments (1)
Louis Hoholek
August 20, 2006 18:23
Most cholesterol lowering drugs only reduce the bad cholesterol. Flax seed oil raises the good, lowers the bad, and lowers the triglycerides. You need to raise the good stuff to get rid of the damage that is already done inside your arteries.