Guest Author: David Zurich

Life Insurance Assessment     

Insurers currently use body mass index as a means of assessment before offering  life insurance  to people. This is worked out by dividing a persons weight in kilograms by their height squared in metres. However, whether or not a person will become obese in the future has never featured before when considering life insurance premiums.     

Obesity and smoking – should they be considered equal when offering life insurance?     

For years now the public have been educated in the risks that smoking bears and it is very much a personal choice as to whether you take the risk of smoking and whether you are prepared to pay the inevitable price of higher  life insurance  premiums.  However, there is a serious lack of similar education in the risks of obesity.  It could be said that if people were educated more into the risks involved in obesity which, in the most extreme circumstances, like smoking, can lead to a person’s death, then at least they are more aware and more able to make lifestyle choices.     

Quit the junk food, reduce your life insurance premiums and increase your life expectancy!     

It is a proven fact that if you quit the fags then you reduce your life insurance premiums and extend your life expectancy.  A factor that has been suggested to be taken into consideration when assessing obese people for life insurance is how much their life expectancy may be reduced due to their obesity.  Therefore, by taking the choice to lead an active, healthy lifestyle you can not only benefit from lower life insurance premiums but increase your quality and even the length of your life!     

If you are in need of a  life insurance quote  or would simply like some more information then do not hesitate to contact Jump Money, specialists in life insurance. You can guarantee that you will be given a fair assessment by one of Jump Money's dedicated team.

Article Source: http://www.articlesbase.com/insurance-articles/life-insurance-obesity-adds-to-your-insurance-premium-as-well-as-your-waistline-631007.html

About the Author:
David Zurich has been a senior insurance advisor at Jump  Life Insurance   for the past 7 Years. Having had many experience with giving good advice you can always count on David's opinion.