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We’ve blogged long and hard for years about the obesity epidemic in our country and the high cost the participants are paying in added health problems, shorter life spans and higher life insurance premiums. So, not that we had anything to do with it, but hats off to those New York restaurants that are now posting calories along with price on their menus.

Our country has worked long and hard figuring out how to market fat and calories under cute names and making quick and easy a dietary choice that seems to have sucked the common sense out of our nation’s health consciousness. That is not to say that there weren’t poor choices to be made 40 or 50 years ago, but with today’s marketing machines in full gear, fit as a fiddle may have to be updated to a cello.

So what’s the big deal about obesity? Clearly, with a few exceptions, it’s a lifestyle choice that’s been made and you make your bed and lie in it, right? If obesity was the end result, from a life insurance perspective it wouldn’t be such a tough hit. Weight alone will keep you away from the best rates, but it still leaves you affordably insurable.

The problem is that the weight, the obesity, is the start of an almost certain downhill health slide and studies seem to indicate that unchecked obesity doesn’t leave you in a place where you wonder if you’ll have health problems, but rather how bad will they be.

Bottom line. If you’re tipping the scales in the wrong direction, you may want to consider purchasing adequate life insurance before the health problems start happening. Once you come face to face with diabetes, heart disease or cancer, the task becomes much harder.