If you are an athlete or in excellent shape, consider yourself fortunate…..and in the minority, medical studies have revealed that most Americans are overweight and suffer from a variety of medical conditions as a result of those few extra pounds. Being out of shape is a minor inconvenience…..climbing those stairs is a little harder, your four year old can outrun you in a game of tag and you see less and less of your new shoes when you look down. I include myself in the ranks of the “Big-Boned” individuals, (Obese is such an ugly word), let’s just say that I’m not a fun guy to sit next to on an airplane!

The reality of it is; being out of shape can be deadly! Doctors aren’t just being “cautious” when they say we need to lose a few pounds; they are relying on major statistical evidence that shows even being 10 or 15 pounds overweight can cause serious health problems and shorten your life span.

What does that have to do with Life Insurance? A lot, according to life insurance underwriting experts; being overweight causes many other ancillary health conditions like high blood pressure and high cholesterol. As a result, many life insurance underwriters weigh (no pun intended) an individual’s height and weight very carefully as part of their overall evaluation. Overweight term life insurance customers may pay a significantly higher premium than someone who is in better physical condition, even if no other health conditions exist!

So how can you make sure you’re paying the lowest premiums…regardless of the life  insurance company? Quit smoking, start an exercise program, lose weight and carefully control your diet to help lower your cholesterol and blood pressure. This will ensure you are placed in the best possible underwriting health class which will result in lower life insurance premiums, and it will also lower your risk of enacting that policy sooner than you wanted to.

We all need life insurance protection. What we pay for it can be controlled to some extent by our knowledge of the various products, our choice of companies and, most importantly, how well we take care of ourselves. Not only will it make your dollar go further, it may carry you an extra mile or two on that big treadmill we call LIFE!

A Beamalife Sales Specialist can work with you to determine the best life insurance companies for your specific underwriting needs, knowing how each company evaluates certain conditions can save you the time, effort and privacy of NOT having to share your dimensions with everyone. Call today at (866) 972 -3262 and let us burn some calories researching what’s best for you and find the best life insurance quote for you. We’ll both make out better in the end!