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Disability Insurance for the Long Term
Disability insurance covers you for an extended period of time. Should you be injured or take ill and as a result be unable to perform the duties of your employment, you will be covered under short term disability, then long term disability...
Health Insurance for International Travelers
If you are planning a trip overseas then you have probably wondered how your US medical plan will cover you outside of the U.S. If you have a managed care (HMO) plan, then you might not have any coverage outside of the US. Any coverage you do...
Insurance Quotes
Obtaining insurance quotes can be a laborious job. Hours may be spent on the telephone speaking to different insurance agents in the hope that they'll be able to give you a cheaper price than the quotes you've already received. Each time you phone a...
Memo To Myself - I Need Keyman Insurance
Last month I had to drive down to London. I don't like driving
at the best of times but the rain, spray and heavy traffic on
the M1 made conditions difficult. Radio 2 kept me company and
the heater kept me warm. Then I hit that queue - six miles...
Why Income Protection Insurance Makes Even More Sense To Employers
It is interesting how group income protection is rising in
popularity by the day in the corporate world. It just goes to
show that the protection of an employee's income is important to
both the individual and the employer. In fact in some cases...
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Life Insurance - Smokers And Overweights Pay Over 50% More!
The life insurance industry is becoming tougher on smokers and
those of us who are overweight.
When an insurance company calculates its premiums, it has to
work out the risk of you dying whilst the policy is in force.
(Or with Critical Illness Insurance, the risk that you will
become critically or seriously ill during the policy's term.) In
this context, smoking and obesity have become increasingly
important issues.
The life insurance industry pointedly ignores the views of some
Pro Smoking Pressure Groups which argue that smokers under the
age of 40 have around the same probability of dieing as non
smokers. David Pickett, Life Insurance Manager at Sainsbury's
spoke for the insurance industry when he confirmed "Health risks
associated with smoking can have a big effect on life cover
costs. It is vital for those who have kicked the habit to review
their policies".
Just how big an effect smoking has on life insurance costs was
highlighted in a recent snapshot study by www.express-life-i
nsurance.co.uk. This found that the average smoker paid 56%
more than a non-smoker. The study was based on nine of the UK's
top insurance companies and examined the premiums quoted for two
men aged 30 asking for £100,000 cover over 25 years. The only
difference between the application details was that one was a
smoker and the other wasn't.
The life insurance industry has also recently tightened its belt
on the overweight members of society. Previously, only people
with a
Body Mass Index of 33 or more were considered as
overweight. This level has now been reduced by 16%. Now anyone
with a BMI of 28 or more is likely to face premiums loaded by
50%. If you're anxious to know whether that includes you, you'll
need a calculator! BMI is calculated by dividing your weight in
kilos by your height in meters and the result squared.
So if you're intending to apply for life insurance is may be as
well to loose a few pounds first - oops kilos - and they're much
harder to lose than pounds!
It's not quite so straightforward for smokers. To qualify as a
non-smoker, most insurance companies insist that you must not
have "smoked or otherwise consumed any form of nicotine products
during the previous 12 months." Indeed, some companies go
further and extend the qualifying period to 5 years!
Because premiums for smokers and chubbies are so high, it
becomes even more important to seek out the cheapest possible
prices. As you're an internet surfer, the odds are you'll land a
good discount. Just search for cheap life insurance and let your
fingers do the walking!! You'll still pay more but the discount
will soften the impact on the wallet. Expect online savings of
10% - 15%.
About the author:
Michael is an exclusive financial writer who writes articles
about family finance. He writes for Life
Insurance Quotes.More Life insurance info
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