Improve Your Health to Find Affordable Life Insurance for Seniors!

Agencies use a complicated algorithm to determine life insurance rates. But one thing is clear: by improving your health, you will be able to find affordable life insurance for seniors. Besides health, other things are important like age, body mass index, profession and lifestyle.

senior-couple-healthyIn today’s article we will examine what determines the costs of life insurance premiums and we will offer tips on how to improve your rates.


Let’s dive in straight away and discuss about health. Health plays the most important role in determining life insurance rates. A healthy individual will have to pay less for premiums, while someone who is suffering from heart diseases, diabetes and other illnesses will pay more. Some seniors, who have cancer or a critical medical condition, will not qualify for insurance.

How to improve your health?

If you are not happy with your current medical condition, you can improve your health by taking some small, yet important steps. There may take some time until you see some visible effects, but the waiting and effort will all be worth it.

  • Give up bad habits. If you want to improve your health, first you must stop doing whatever it is damaging it. If you are a smoker, you should quit. Not only that it will improve your health, but smoking doubles or even triples your life rates! You have all the reasons to quit tobacco and the sooner you do it, the better it will be.
  • Take up regular exercise. Seniors should exercise as it can greatly improve their health. They can jog, swim and do some simple aerobic exercises. Seniors should concentrate on cardio exercises as these can improve their heart condition.
  • Eat healthy. A senior should be very careful with what he/she eats. An older person’s health is fragile and requires a balanced diet.

Other factors that affect life insurance prices are:

  • Age
  • Driver’s record
  • Profession
  • Marital status
  • Body Mass Index

Besides improving their health, seniors can find affordable life coverage by searching and comparing quotes. If you want to find the best rates, visit us at compare plans from top agencies!

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