Life Insurance News in Category "Healthy Living"
Have a great St. Patrick’s Day everyone; but make sure that you do not drink too much alcohol if you are looking to apply for life insurance in the near future.
The reason for this is that you will be asked about your drinking habits including volume per week, frequency and whether or not you have been advised to reduce your consumption. The answers that you provide will help the insurance company determine if you are a higher risk than average based on whether or not they deem your drinking habits to be within a 'safe level'. If they deem you to have a 'potentially dangerous' bracket, your monthly premium is likely to be increased. British Medical Practitioners continually advise life insurance companies regarding excessive drinking and the associated health problems. If you decide to not tell the life insurance company about your drinking habits when applying for life insurance, you could find that your life insurance policy may be declared invalid.
Lifebroker has found that some life insurance companies have a diverse range of what they believe the be ‘safe’; therefore if you think that you cannot get life insurance due to your level of alcohol consumption it is always worth contacting a life insurance consultant at Lifebroker to see if they can find an insurer that is willing to accept your life insurance application at normal rates.
Are you going to look after your heart this Valentine’s Day? Looking after your health is the best way to keep your heart healthy.
A recent report published by Bupa outlines the best ways to look after your heart.
- physical activity
- stopping smoking
- moderate drinking
- healthy eating
- maintaining a healthy weight
- reducing your cholesterol levels
- high blood pressure
Getting into a routing of 30 minutes moderate intensity activity on five or more days of the week halves your chance of developing heart disease
Giving up smoking reduces your risk heart disease; it also reduces the risk of many other serious illnesses, like cancer and emphysema
Drinking too much damages your heart; causes high blood pressure, damage to your heart muscle and abnormal heart rhythms.
Binge drinking is really bad for your heart. Don't assume it's safe to drink 21 units (for men) or 14 units (for women) at the weekend if you have not had a drink all week!
A healthy balanced diet can help prevent heart disease. Limit the amount of salt, sugar and fat in your diet.
Maintaining a healthy weight
Being overweight increases your chances of developing heart disease and can mean your life insurance is more expensive.
Reducing your cholesterol levels
Reducing cholesterol levels in your blood can help you prevent heart disease. Eat a healthy, low-fat diet.
Diabetes puts your heart at risk. Diabetes can also increase the effect of other risk factors for heart disease, such as smoking and being overweight.
High blood pressure
High blood pressure (hypertension) increases your risk of heart disease. Make sure that if you are over 40 – make sure that you have it checked by your GP or a nurse as you may not know you have it. Search the NHS Directory for more information.
If you are at all concerned about your Heart this Valentine’s please contact your local GP. Please click here to see the full Bupa report.
We all know that drinking water is an essential part of a healthy lifestyle. Drinking water keeps us hydrated and enhances concentration. It also maintains your body and prevents disease. We can survive for weeks without food, but only a few days without water.
Approximately two thirds of the human body is water therefore it is essential that we drink water throughout the day. We should try and drink 6 to 8 glasses of water per day (approx 2 litres). We should also absorb extra water from a healthy diet containing fruit and vegetables.
Tips to prevent dehydration:
- Drink water as soon as you get up
- Have a water on the table during meal times
- Carry a bottle of water when you are out and about
- Avoid soft drinks to quench as there is nothing like the real thing to keep you healthy
- Eat plenty of fruit and vegetables
- When drinking alcohol try to drink water now and then
- Drink water when exercising
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