When filling out a life insurance application, you’ll be asked to provide information about the state of your health. The general rule is that the healthier you are, the lower your premiums will be. Of course, there are many aspects of health, and while we can’t control preexisting medical conditions or our family medical history, we can control how much we exercise.
Exercise is indeed one of the factors that life insurance underwriters consider when calculating life insurance premiums. However, are there some exercises considered “healthier” than others? You bet.
Here are 5 exercises that can help you save on life insurance.
The beauty of walking is that it is simple, effective, and convenient! Even if you don’t have time to go to the gym you can still just walk briskly around the neighborhood. There are numerous health benefits of walking including improved memory, elevated mood, reduced risk of heart disease, and increased cardiovascular fitness. Walking is also one of the easiest exercises to maintain as you enter your golden years.
Harvard Health Publishing has called swimming a “perfect workout” because it works out your entire body and cardiovascular system with the added benefit that water is also easier on your joints. Health benefits also include improved sleep and mood, increased muscle tone, and reduced stress. Swimming can also reduce your chances of heart disease, stroke, and type 2 diabetes.
Strength training isn’t only for bodybuilders — it’s for anyone that wants to keep their muscles strong and healthy. Simply put, when you build muscle, you also burn fat. Plus, strength training can increase muscle mass and bone density, reduce the risk of fractures, and help you burn calories.
Cycling can be a fun and effective way to stay fit. There are numerous health benefits including increased cardiovascular fitness, muscle strength and flexibility, stronger bones, and more. Plus, it’s something that you can enjoy with your kids or partner so it can also be a great chance to have quality family time.
Practicing yoga regularly comes with numerous health benefits including improved cardiovascular fitness, increased circulatory health, weight loss, higher energy levels, and reduced stress and anxiety. If you’re looking to take a break from the constant activity of daily life, yoga is a great way to relax while also taking care of your overall fitness.
Reduce Life Insurance Premiums, Increase Health
Whichever exercise you choose to do, you will enjoy both reduced life insurance premiums and increased overall health. If you don’t exercise, it’s a good idea to start — this way, you can achieve the many benefits of regular exercise along with lower life insurance rates.
Sproutt insurance advisors are available to help you determine what kind of life insurance is best for you. Simply answer a few questions and we will find the best-value plan for your lifestyle, needs, and budget.