Earth Day: Going Outdoors and Being Healthy
26th April 2017
April 22nd 2017 marked Earth Day - a day dedicated to environmental and climate awareness. With this in mind, we have been thinking about how a life insurance policy could be impacted by taking on the message shared by Earth Day and how a healthy lifestyle may lead to lower premiums.
What Affects Your Life Insurance Policy?
When you apply for a life insurance quote, you will be asked a number of questions concerning your medical history and your lifestyle and the answers to these questions will have an effect on the premium you end up paying. For example, an individual who smokes may have to pay more than a non-smoker, and somebody of a healthy weight may pay less than someone who is overweight.
A Healthy Lifestyle
National days and events such as Earth Day can serve as a reminder to be more active in order to live a healthier lifestyle. Enjoying nature is a great way to improve your health, whether that means going for walks, cycling or other forms of outdoor exercise.
Being more active can aid weight loss, something that may affect your premiums. However, engaging in activities such as these can also speak to your lifestyle, a factor that may be taken into account when you get a quote.
Smoking can also be an important factor, so quitting may help to lower your life insurance premiums. Plus, this could contribute to helping you to enjoy nature more at the same time as improving your health.
Some daring people may choose to enjoy nature by partaking in high-risk hobbies such as skydiving. While this sounds like an adrenaline-pumping way to see the earth, hobbies such as these may impact your life insurance plan and may lead to you paying higher premiums.
Of course, these may be activities that you enjoy, but it is something to consider when you are thinking about your life insurance. It is important to remember that if you do enjoy a high-risk activity or two, you don't try to hide this when asked about it during the application process.
Seeing the World
Earth Day may be a time that encourages people to think about travelling the world and seeing the natural beauty it holds. However, this could also be an activity that may have an effect on your life insurance premiums.
If you regularly travel to countries insurers consider to pose an increased health or life risk, your premiums may be higher. Countries with higher levels of tropical diseases could be included, so it may be worth considering any potential risks before you travel and ensuring your policy is up to date to provide you with the right cover.
Of course, life insurance is designed to give you peace of mind, allowing you to live your life in the knowledge that your family could be provided for if anything was to happen to you. Making sure you have disclosed the facts regarding your health and lifestyle, or updating your life cover if you recently changed something, is vitally important to ensure you have the correct cover in place.
Whatever your lifestyle, it's important to explore your options. At Compare Cover you can compare life insurance quotes from a number of leading UK insurers and purchase the policy that's best suited to you.