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FLORIDA HEALTH INSURANCE
November 16, 2007
Tampa's Most Affordable Health Insurance...
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Health Insurance Consultant
-- Morgan Moran
-- (800) 554-9142
Life insurance
As with any insurance policy risk factor is important to the insurer when calculating the cost to you the insured.
As you can imagine in the case of life insurance, anything that makes you more risky in terms of hereditary conditions and existing health problems will increase your possible future cost to the insurer. Your policy premium will therefore increase proportionally to take this into account.
This has long been the case and is widely accepted as pretty normal practice in the world of life insurance. However - new research carried out by the Cornell University in America appears to show that socio-economic status (the class divide - rich/poor) can be an important factor.
Those from a poorer background and therefore more likely to be stressed easily appear to run the risk of a shorter lifespan where as in direct comparison those from a more wealthy background are likely to have a longer lifespan. Of course other factors influence the end result such as the level of medical care a person can afford and this also tends to side with the more affluent.
The problem it appears is that stress in turn causes physiological damage to internal organs and tissues which can increase the risk of medical problems and a shorter life expectancy.
The study which looked at a group of 200 children in New York (half from wealthy backgrounds and half from poor) investigated the stress regulatory mechanisms of the children and found that those from the wealthy background responded much better to environmental stress meaning that they were less likely to develop physiological damage.
This research has been taken seriously by Life assurance companies - one insurer having gone as far as giving bigger pensions to those living in poorer postcodes on the assumption that they will have shorter life spans.
As with any insurance policy price is always at the top of the list of deciding factors and finding a cheap deal is certainly possible if you are willing to spend some time researching the matter. You should compare different insurers, the level of cover they offer and how price is affected.
It is important to remember to be completely honest with the insurer when applying for your Term assurance policy as you could find your policy void at a later date if you do not disclose all medical information and hereditary conditions present in your family.
Any pre-existing medical conditions will of course increase the price you have to pay for your policy but it is worth it for peace of mind when it comes to your life cover.
Of course there is little you can do to change your circumstances in life and unfortunately some of us will have to pay more for our policies than others. However there are a couple of things you can do to positively affect your premium price such as losing a small amount of weight (if you are considered obese) or giving up smoking (most companies will only take this into consideration once you have remained a non smoker for a period of at least 1 year). Other than this it really is a case of shopping around to find the best deal for you.
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