life insurance quotes online

Life insurance – healthy options

The amount you pay each month for your life assurance or life insurance policy is based upon the information that the insurer has about you. Life insurance pays out if you die; life assurance pays out when you die. It’s obviously in the insurer’s best interests to make sure they have as much information as possible about the risks to your health.

Can we save you money on your life insurance or critical illness?
Get your free instant quote and apply online now

Life Insurance Quote
 Critical Illness Quote

Why healthy options can improve your life insurance premiums

Just as a buildings and contents insurance form will want to know about the area you live in, whether you have window locks, a burglar alarm and smoke detectors, so a life insurer will ask you about your health and your lifestyle. For your home, the more security you have, the lower your premiums are likely to be. For your life, the healthier you are, the less likely you are to die. It’s as black and white as that. Your insurer will want to know about:

  • Your lifestyle – do you smoke and/or drink to excess? Are you overweight?
  • Your current health – do you have any existing problems such as diabetes, heart disease or have you had health scares that may turn into something more serious at a later date?
  • Your work – do you work in a high-risk environment, such as in the fire service or the military?

    • You can improve your chances of a lower premium by making sure you’re as healthy as possible. Giving up smoking is a major factor in reducing your premiums – and you’ll save money on the cigarettes too. Many life insurance quotes will ask you if you’ve smoked in the last 12 months, so it’s worth considering giving up some time before you take out a life insurance policy – and use the time to improve your diet and take some exercise, because the fitter and healthier you appear to be, the less your premiums will cost.

    Jump Money is a specialist in life insurance and is happy to answer any questions you may have related to life insurance, life assurance, term insurance and life cover.  The company will strive to fit an insurance package to the exact criteria you need in order to help you avoid buying products you do not need as well as helping you fully understand your purchase. To find out more about how Jump Money can help you protect yourself and your belongings call now on 0845 8516262 or fill in an online quote form today. 

    Return to Jump Life Insurance articles index

    Get a free online Life Insurance quote | Get a free online Critical Illness quote | Get a free online Mortgage Protection quote | Get a free online Income Protection quote | Return to the home page