| Finding the best rate on life insurance in | | | | tobacco. |
| Connecticut isn't tough thing to do if you have | | | | 2.Lose weight: One of the top health concerns in |
| taken your health seriously. Connecticut residents | | | | the United States is obesity and diabetes. Being |
| take stock of your life and ask yourself, if you | | | | overweight will make it a little more difficult for |
| were an insurance company would you insure | | | | you to get insurance, let alone get a good rate. |
| you? Knowing that insurance companies | | | | Life insurance companies use a height weight |
| underwrite life insurance policies based on the | | | | chart to determine risk. If your weight is too |
| potential risk of death, how have you treated | | | | much for your height, you are at a larger risk for |
| yourself. Here are a few pointers to keep in mind | | | | illness and weight related death. According to the |
| when looking for discounted life insurance rates: | | | | American Medical Association, they have linked |
| 1.Don't smoke: A smoker's rate may be as much | | | | $280,000 deaths in the US to excess weight. The |
| as 3 times higher than their non smoking | | | | heavier you are in relation to your height, the |
| counterpart. Companies categorize their | | | | higher the rate. |
| policyholders into rate categories, standard, | | | | 3.Optimal Health: Insurance companies prefer to |
| preferred and preferred plus. Smokers would be | | | | insure risks where the likelihood of payout is |
| in the standard category and thus not entitled to | | | | minimal. Purchasing a life insurance policy when |
| the discounts afforded to non smokers. Different | | | | you are young and in optimal health will earn a |
| insurance companies have different underwriting | | | | lower rate than purchasing it when you are older |
| requirements as far as determining someone as a | | | | and in ill health. |
| smoker. Some require you to be smoke free for | | | | 4.Shop around: The internet has made shopping |
| 3 years, and others as few as 1 year. And, by | | | | for insurance around much easier. |
| the way, smoking includes cigars and chewing | | | | |