While eating well and exercising are inarguably good for your body, they can also be good for your wallet. This may seem counterintuitive given how pricey gym memberships, grass-fed beef, and organic produce can be. But the fact that so-called â€œsuperfoodsâ€ and exercise have been shown to reduce cancer risk, help maintain a healthy weight, and even increase brain function informs an important financial reality: lower life insurance premiums.
How Can Eating Well and Exercising Lower my Life Insurance Premiums?
Life insurance companies consider a number of risk factors when determining premiums, including family health history, weight and diet. The healthier and younger you are, the lower the risk â€“Â and typically, the lower your premium. While simply eating superfoods and being physically fit wonâ€™t affectÂ your life insurance premiums, the effect that they have on your body â€“Â and yourÂ lifestyleÂ â€“ could.
What Superfoods Should I Be Eating?
Superfoods are rich in nutrients and easily absorbed by your body. Here are three superfoods that can help keep you in good health and, in turn, lower your life insurance rates:
- Salmon.Â It’s high in essential Omega-3 fatty acids, which our bodies require to function normally. Omega-3s have also been proven to lower elevated triglyceride levels â€“reducing the risk of heart disease. And early research suggests that Omega-3s may play a role in the prevention of Alzheimerâ€™s and other types of dementia.
- Broccoli. ItÂ has been linked to the prevention of breast cancer. It is rich in glucoraphanin, which our bodies use to create the anti-cancer compound sulforaphane. Broccoli also contains high amounts of magnesium and calcium, both of which help regulate blood pressure.
- Eating Garlic.Â It releases hydrogen sulfide, which acts as an antioxidant and transmits cellular signals to relax blood vessels and increase blood flow â€“Â effectively lowering high blood pressure.
What Are the Benefits of Exercise?
A healthy lifestyle is comprised of more than eating well. To optimize your health, physical fitness is essential. The following benefits of exercise can lower your life insurance premiums â€“ and overall medical expenses â€“Â substantially:
- Weight Loss. Any physical activity burns calories â€“Â exercise, taking the stairs, even walking the dog. The more vigorous the activity, the more calories are burned. When the number of calories burned is greater than the number of calories ingested, you lose weight.
- Prevention of Heart Disease and Other Medical Conditions. Exercise boosts the production of high-density lipoproteins (HDLs) and decreases triglyceride levels. This combination keeps your blood flowing smoothly, which in turn reduces your risk of developing heart disease. Exercise can also decrease your risk of stroke, diabetes and certain types of cancer.Â
- Lower Stress Levels. Exercise has been proven to improve mood, increase energy, and promote better sleep patterns â€“Â all of which can lower stress and increase longevity.
When it comes to life insurance premiums, the lower your weight, blood pressure, and risk of developing cancer, diabetes, or heart disease, the lower your rate is likely to be. Youâ€™ll also be less likely to shell out big bucks for hospitalizations, medications, and expensive medical procedures as you age. Thatâ€™s the financial case for a healthy lifestyle: stay healthy, spend less!