Ed Hinerman On Life Insurance

Less Heart Attacks Equals Better Life Insurance Rates!

June 25th, 2008

And they all said………….DUH! I’ve gone on “ad nauseum” about the impact that heart issues can have on life insurance and how to approach getting life insurance at the best possible rates after a cardiac occurrence, so this week I am making an effort to be proactive. So, my advice is just don’t have that heart attack!

A friend of mine used to say that I talked and wrote in word salads. Never did figure out what that meant so I just keep rattling on. If I lose you, hang in there until the end and there is a better than 40% chance that I will make some relevant point. Obviously it makes sense that not having a cardiac event is a good way to ensure better life insurance rates, so how do we accomplish that? In a post yesterday I brought up the antioxidant idea. A little wine, a little dark chocolate, etc.

Today Reader’s Digest lays out the whole game plan. We know that fit versus fat is a good thing. Not smoking and exercising regularly are good things. But, as only Reader’s Digest can, they offer a condensed version of 30 ways to avoid blowing up and splattering heart parts all over.

From a life insurance underwriting point of view this game plan and avoiding a heart attack is going to put you into the home run life insurance rate category, the rates I wish I was paying. But also consider that underwriters would look more favorably on an applicant who had cardiac issues and started following these guidelines. They truly like to see and reward those who take what has happened seriously and change their lifestyle.

Bottom line. Life is so much more enjoyable when you have been and are taking care of yourself. Part of the enjoyment comes each time you pay that lower life insurance premium.

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Entry Filed under: antioxidants, heart attack, insurance, life insurance