In years past, health and life insurance providers were merely concerned with the pre-existing medical conditions and unhealthy habits of applicants. Surgeries, chronic illness, and even tobacco use could raise your rates exponentially. Today, insurance companies are taking a look at your healthy lifestyle choices as well! Green living can earn you a significant savings when it comes to your policy premiums!
Choose Organic Foods
The next time you walk down the aisles of your local grocery store, skip the canned foods and add organic produce to your cart. Organic foods are those that are grown without the use of toxic chemicals. When you eat organic foods, you eliminate the addition of these chemicals to your body. These dangerous chemicals can have detrimental effects on your health and overall well-being! By avoiding processed foods, you will not only feel better but you will lessen your risk of cancer and even mental disorders.
Get Up and Move
You don’t have to run a marathon or ride your bicycle for miles on end to be fit. By making simple choices like taking the stairs instead of the elevator, or cleaning your house instead of watching television, you can turn your body into a well-tuned machine. When you are fit, you are at less risk for illness and disease. Insurance companies realize this and will offer you lower rates for your efforts.
Maintain a Healthy Weight
When people adopt a green lifestyle, they are more apt to maintain a healthy weight. People who are overweight or obese are traditionally charged more when it comes to insurance premiums. This is because people who carry excess weight are more likely to suffer an injury or medical emergency. By maintaining a healthy weight, you are putting yourself in a lower risk category and, in turn, decreasing the insurance company’s chance of a major payout.
Smoking is not only harmful to our bodies, it is harmful to the environment. Take into account the toxic chemicals that are sprayed on tobacco crops to ensure a bountiful harvest and how dangerous they are to our ecosystem! By kicking the habit, you’re not only making yourself more healthy, you’re contributing to the ongoing health of the planet.
Visit the Doctor
Are you one of those people who only visit the doctor when they are sick? Do you wait until the very last minute to walk into the clinic? By taking proactive measures with your health, you can catch illness and disease in their early stages, often times preventing these maladies from escalating. Your insurance provider would rather pay a couple of hundred dollars once a year than thousands of dollars later!
Insurance companies love policy holders who adopt a green lifestyle. These policy holders rarely make significant claims and receive lower rates as a reward. If you want to save money on your health and life insurance policies, adopt a green lifestyle as soon as possible. By eating green, exercising, and adopting other healthy habits, you can see a significant decrease in your premiums!
Clayton Lawrence is a personal finances guru and freelance blogger for wholetermlifeinsurancequotes.org, a site he often recommends for getting free life insurance quotes.