March 9th, 2010 | 
Author: It has been concluded, we are the fattest fats that ever were fat! A massive 39% of Brits are overweight, numerically that’s a whopping 23 million people walking around with an extra few pounds.
Not only does this wreak havoc with your internal organs and thus your health as a whole, in years to come you may decided to take out life insurance, it is after all the responsible and loving thing to do for your loved ones. When this time comes around, those extra few pounds you’ve got jiggling around may cost you more than a few jingling pennies. The reason for this is that the extra weight, although it may prove to be more aesthetically pleasing to the eye, puts the body out of its optimum working order. With your body being out of sync you increase the likelihood of developing respiratory problems, heart disease and diabetes to name but a few illnesses related to holding onto a few too many pounds.
If those few extra pounds start turning into stones then the picture becomes more dire. Official statistics show that a worrying 19% of Brits can be classified as clinically obese, in order to be labelled as such you need to have a BMI (Body Mass Index) rating of 30 or above. Sadly, statistics show that for the whole of Europe, we as a nation are rocking the fat scale in a negative fashion. The 39% of us that are overweight have made it so that we have the highest proportion of weighty matter than any other EU member state.
On the one hand one could argue that the extra pounds make us more of a nation to contend with after all, physically we’re bigger than any of the other EU members! On a serious note however the reality of being overweight doesn’t bring any smiles; as mentioned before, being more robust can have negative impact on one’s general health. It is for this reason that some life insurance providers demand a physical assessment, so that before providing you with a policy they can fully assess your starting point and thus calculate your potential path, checking to see how your current state could affect your future. Being overweight however will not stop you from getting life insurance cover it almost certainly will bump up the cost of your premiums, it may also exclude you from certain levels of cover like an ‘active’ or ‘fit’ style that caters to those that are serious about treating their body as a temple.
Some of the risk factors linked with being overweight have been briefly mentioned and is the reason why risk assessments are carried out, not just to check if you are overweight but to determine your overall level of risk. Other factors that could affect your policy include whether or not you are a smoker, heavy drinker or regularly partake in high risk activities, such as speed racing or extreme sports. When carrying out their risk assessment, insurers are looking out for a number of markers that could shunt you into the sub-prime sector. Having a BMI over 25 will class you as overweight and will almost certainly cost you when it come to the price of the policy being offered to you. Being overweight may not cause you to have an immediate chronic illness like a heart attack however it has been shown to contribute heavily to illnesses that require long term care like diabetes.
A BMI score of over 30 categorises you as being clinically obese and may mean you are refused life insurance altogether. This is because while being overweight may contribute to certain illnesses, being obese almost guarantees their occurrences. Having such a high BMI puts insurers off as they see the risk of your demise, be it sudden or over a long period of time as too high to be able to cover.
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Think positive and stay optimistic is the reality of life today. We all ought to act upon this line and be practical in life. If you take proper pronouncements in life then you will see that others will follow you and be encouraged by your way of taking decisions and they will also try to be cheerful in life. In business, try to broaden your horizons and earn as much as you can today for the safety of tomorrow. From this earnings invest the maximum part for your tomorrow and try to be cool today. Invest very sensibly in the life insurance policy and save your today as well as your tomorrow. Before you make any type of commitment or decision insist on all the information in detail and get your facts accurate from the life insurance company. After all you are going to invest for a long term so do not fuss instead go to according to your wisdom. You should try to avoid over spending your financial resources or you will bound to regret your actions later. Rather you should try to save as much as you can for the betterment of the future. Disappointments and disasters are possible with anybody in life. You should try to take them up in a very optimistic manner.
Your family will stay focused and they will be able to control the desires of their life very confidently if you have invested in the life insurance policy. Try to fulfill your obligations and preserve to get things done in a proper manner. You should try to be methodical and comprehensive while thinking about your family’s future. You should try to work more in sorting out your family’s requirements. Your hard work will prove cooperative and encouraging concern when it will come to any prospect of life. If you have invested in the life insurance policy then, you and your family will be ready to expect the unexpected disasters you may have to face in the future. The disaster can come in any way. You can lose your life or you may get loss in the business or even you can be a victim of any prolong illness. You are on the safer side if you have invested in the life insurance policy and then you need not worry about the difficulties you may have to face. The insurance policy will take care of all the drawbacks in this case.
All should be prepared in life because we never know the next minute which havoc is going to take place in our life. We should not deny the fact that we all will die one day. We should think very practically about our life and take proper decisions. We can at least try to good a deed in life for our family and secure their future financially by investing in any of the life insurance policy so that they may not have to compromise with the expenses ever if they will have to without your existence.
Many people do not consider life insurance until they have a family to take care of.
This is why many women leave a life insurance policy until they are pregnant or have their first child. Often the father is covered so in the event of his death or serious illness, the mortgage will be paid and a certain level of income maintained.
However, it also vital to consider the mother and the difficulties to the rest of the family should the unthinkable happen to her. If a mother falls seriously ill, or dies, the father will usually need to carry on working to bring in enough money to support his family. He will then need to pay for childcare for his children.
If he chooses the option of caring for the children himself, then there is the added stress of how to pay the mortgage and bills.
When planning a family, it is wise to consider taking out a life insurance policy before the mother is actually pregnant. Many insurance companies are reticent about allowing life cover for a woman who is already pregnant due to all the possible complications that could occur.
High blood pressure is a common complaint of pregnancy and can lead to hypertension and even toxaemia (pre-eclampsia). Thankfully not that common, but this condition can bring on fits, strokes and even death.
Already existing medical conditions can advance rapidly during pregnancy and conditions not already picked up will become more dominant and detectable.
Once a woman is pregnant, it is very difficult to get life insurance cover. Most often, companies will advise the mother to wait until her baby is three to six months old before trying to get cover. If a pregnant woman has managed to get life insurance cover she can expect to pay up to 50% more on her premiums.
Any complications recorded during pregnancy will increase the premiums when cover is available. It is always essential to be completely honest on application forms regarding medical history even though many medical conditions are only apparent during the pregnancy itself.
Gestational diabetes is one such condition and it has been known for a company not to pay out on a critical illness claim when gestational diabetes was not declared – even though it was not connected to the critical illness.
If a first pregnancy has shown signs of complications, then insurance cover whilst pregnant for a second time is unlikely.
Another reason why insurance companies are reluctant to cover expectant mothers is the risk of post natal depression immediately after the birth. Although there are no statistics concerning the suicide rate amongst post natal depression sufferers, insurers feel they are a higher risk. Insurance will not pay out in the event of a suicide anyway, so increased premiums to cover this seem a little unfair.
An added problem to trying to secure life insurance for women is that we are now seeing a new generation of higher risk pregnancies being made available by the advancements in medical technology – not always a good thing.
Pregnancy is increasingly possible in older women with IVF treatment. They are also more at risk from the complications of higher blood pressure. This treatment itself carries a high risk of multiple births, again putting a strain on the woman’s health.
The advice from insurance companies and financial advisers is to take out a life insurance policy before getting pregnant wherever possible. After the event, always be upfront in declaring medical history.