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How Healthy Living Can Save You Money on Burial Insurance
By Matt Schmidt
Burial insurance is never a popular topic to discuss, but it’s an extremely important one. At the time of your death, you want to make sure your family will have access to a burial insurance plan, that will cover all of your final expenses.
To determine the premium amount of your policy, companies will review your overall health, use of tobacco products, and your age at the time of application. The better your overall health, the more options, and lower burial insurance premiums you’ll possibly qualify for.
A surprising 61% of adults age 65 or older do not get the exercise they need to stay healthy. As our greatest generation gets older, the exercise statistics are getting worse. A lack of physical activity contributes to diabetes, heart disease, low bone density, and other life-altering conditions.
This makes the final years of life both painful and frustrating. In addition, health issues are one of the top factors that cause burial insurance premiums to go up. However, with the right routine in place, it isn’t hard to stay fit and even combat some of the effects of aging.
All of us can benefit from turning back the clock a few years. And when it comes to purchasing the best burial insurance policy, your wallet will thank you for the health improvements you make. Here are some ways to make that happen.
If you’re thinking about getting burial insurance or a final expense policy, that’s great!!! You’re getting a head start on an important step for the future, as you know this valuable coverage will protect your family in the future. This is also the time to start taking steps to improve your health. Not only will you see more benefits the earlier you begin, but you may also be able to save more money on your burial insurance.
Here’s how it works: The insurance company is going to ask a series of questions, as well as the prescriptions you are taking. They will also ask you to identify any health issues you are being treated for.
Here are some sample examples of taking out a policy at a younger age, and when you may be in better overall health, compared to waiting to start a policy at a later age:
Monthly Rates for Non-Tobacco Users
Burial insurance will be more expensive if you wait until your 80’s to start a policy, compared to someone in their 60’s or 70’s.
As you can tell, the younger you start a policy, the less the monthly premiums will be. This will provide significant savings to you and your family. Not to mention, it will provide the final expense insurance coverage you are seeking to protect your family.
Why is it important to maintain a healthy weight? Obesity and being overweight in general can start an avalanche of health problems. Being overweight has been connected with heart disease, respiratory problems and other failures of essential bodily functions. Having a pre-existing heart condition can cause your burial insurance premiums to go up, or force you into a type of policy known as ‘guarantee acceptance’ burial insurance.
Managing your weight can help prevent this. Also, as our bones and joints age, the added stress of extra weight takes a toll, weakening them over time. This can result in the need to take medications that will show up when the insurance company makes an inquiry. To avoid this, it will be helpful to drop some pounds.
To manage your weight, all you have to do is make sure you’re not eating more calories than you need each day. For instance, the average man will need between 2200 and 2500 calories a day, and the average woman will only need between 1800 and 2000 calories.
This is what it takes to maintain your current weight. In order to keep your weight from spiking, keep track of how much you eat using a tool such as a calorie counting app. Once you get into the groove of using it, logging your food becomes a habit, and you’ll be dropping—or adding—the pounds you need in no time.
The idea of exercise is often met with a disgruntled sigh, especially when we start to feel less capable than when we were younger. However, it’s good for both our bodies and our wallets. Exercise increases the flow of oxygen to your body, and that includes your brain. Some painful conditions, such as fibromyalgia, are due to damaged sections of the brain. Your brain needs oxygen to heal. Increasing the oxygen to your brain can stimulate the healing process, reducing or even eliminating the issue.
This could result in better offers from a burial insurance company. Exercise, particularly low impact exercise, can help relieve joint pain and even lessen the effects of various forms of arthritis. It has been clinically proven as an effective treatment for pain, which means you won’t need as much pain medication. Therefore, as your amount of exercise goes up, the amount of results for the prescription search goes down
We even know of a couple of burial insurance companies who will offer ‘discounted rates’, to people who have a healthy lifestyle and exercise regularly.
If you haven’t exercised for years, it is certainly not too late to start. But this doesn’t mean you can just jump up and go for a 15-mile run. Start off slow. Give your joints and muscles time to adjust to the added activity. Take time to warm up properly and allow yourself to ease into new motions.
It may help to start with something you already like. For instance, many people like to go for relaxing walks. Walking is good for more than just your bones and muscles, it can even improve skin conditions like varicose veins, acne, and eczema.
One big factor in your burial insurance rates will be whether or not you smoke or use tobacco products.. Every application, regardless of the company–has a section that asks about your tobacco use. If you chew tobacco, a few companies may offer NON Tobacco Rates.
Burial insurance companies will charge extra rates to your policy, due to you being viewed as a higher risk.
Immediate Death Benefit Male (non-tobacco user)
Immediate Death Benefit Male (tobacco user)
Of course, it’s not all about the money. Quitting smoking is one of the easiest ways to add extra years to your life. As your lungs regain their health, your entire body benefits from getting more oxygen. As discussed above, more oxygen results in better healing, which will reduce the amount of pre-existing conditions as well. In addition, you will find that exercise gets easier and easier the longer you go without smoking.
This pays big dividends when it comes to overall fitness, as well as strengthening your bones and muscles. The dividends you see from lower insurance rates don’t hurt, either. Quitting smoking is the gift that keeps on giving, and one that saves you money on your funeral insurance policy.
Burial insurance premiums are directly affected by your overall health profile. There are several ways being more active in general can help improve the health profile your burial insurance company will use to calculate your rates. Being generally more active helps increase your bone density. This is due to the fact that bones get stronger when under the stress of activity.
Higher quality bones can help prevent osteoporosis, which is something many insurance companies ask about. Blood pressure is another factor. Living a lifestyle that includes more activity has been proven to help manage blood pressure, keeping it within acceptable levels.
As our muscles do work, they stretch and flex. During this process, the fibers are put under–healthy–stress. Microscopic tears in the muscles result and as these are repaired, the muscle gets more powerful. You can stimulate this process on a daily basis by simply moving around and allowing your body to do a little extra work. Walk to get groceries instead of drive short distances. When at the mall, park your car in an “inconvenient” spot and force yourself to walk a little farther than normal. Break up stationary activities like reading with ten minutes of light exercise every now and then.
In the end, you are doing much more than saving some cash on burial insurance. You’re also both extending your life and making it more enjoyable overall. We’ve all heard 40 is the new 20, 60 is the new 40, 80 is the new 60, and so on. Believe it or not, there is some truth to all that stuff. If we do the things that make us feel younger, we will, in effect, be younger. And our age, well, that will be nothing but a number.
Finding the perfect burial insurance policy doesn’t have to be hard! We’ve helped HUNDREDs of families find the best policy for themselves and family members.
Give us a call at 844-334-6143 and let us begin working for YOU!! We work with only the BEST rated burial insurance companies and will make recommendations based on your overall health.