Taking care of your health isn’t just good for you—it can also save you money on insurance. At Nick Watson Agency, we believe that small, consistent actions can make a big difference in your health and your wallet. Let’s explore practical ways to improve your wellbeing while potentially lowering your health and life insurance premiums.
1. Maintain a Healthy Weight and Exercise Regularly
Regular physical activity reduces the risk of heart disease, diabetes, and other chronic illnesses. Insurers often reward healthy lifestyles with lower premiums on both health and life insurance policies.
Maintaining a balanced diet with plenty of fruits, vegetables, and lean protein supports long-term health and helps keep BMI in a healthy range, which can be a factor in insurance rates.
Engaging in cardiovascular activities like walking, running, or cycling strengthens your heart and lungs, reducing risk factors that insurers monitor for pricing policies.
2. Quit Smoking and Limit Alcohol Consumption
Quitting smoking dramatically improves your long-term health. Insurers typically offer significantly lower life and health insurance rates for non-smokers.
Limiting alcohol intake reduces risks for liver disease, certain cancers, and other health complications, which can positively impact premiums.
Maintaining these lifestyle changes shows insurers that you’re actively managing your risk factors, which can translate into savings.
3. Keep Up with Preventive Health Screenings
Routine check-ups help detect illnesses early, reducing the likelihood of expensive treatments and claims. Insurers value proactive healthcare.
Keeping organized medical records demonstrates responsible health management, which insurers may take into account when reviewing premiums.
4. Manage Stress and Prioritize Mental Health
Chronic stress can contribute to high blood pressure and other health issues. Regular relaxation, mindfulness, and therapy sessions can improve health outcomes.
Practices like yoga, meditation, or deep-breathing exercises support mental wellness and show insurers proactive risk management.
Maintaining mental health reduces medical costs and may lead to better life insurance rates when assessed during underwriting.
5. Track and Improve Lab and Vital Metrics
Keeping blood pressure, cholesterol, and glucose levels in healthy ranges can reduce your long-term health risks and positively influence premiums.
Maintaining a healthy BMI and weight management is a key factor insurers consider when pricing life and health coverage.
Recording your health metrics over time demonstrates responsible health habits and may lead to lower premiums.
Sample Insurance Premium Savings Table
| Health / Life Improvement | Potential Premium Reduction |
|---|---|
| Regular exercise and healthy BMI | 5-12% |
| Non-smoker status | 20-40% |
| Routine preventive screenings | 3-7% |
| Mental health and stress management | 2-5% |
| Healthy diet and controlled blood metrics | 4-10% |
By taking these proactive steps, you are not only improving your personal health but also demonstrating to insurers that you are managing risk responsibly. Small, consistent actions like maintaining a healthy lifestyle, keeping up with screenings, and tracking your health metrics can result in meaningful savings on both health and life insurance. Call Nick Watson Agency at 503-658-7200 to learn more about personalized strategies to save on your premiums while keeping you and your family healthy and protected.