Category Archives: Insurance

How Your Lifestyle can Affect Your Life Insurance Rates

For consumers who sincerely understand their need for life insurance but have rather risky lifestyles, they are likely to be surprised that what you do for fun can have a significant impact on how much you pay for life insurance.

Most people understand the ongoing relationship between insurance and risk. They understand that their ability to purchase affordable life insurance is substantially impacted by their age, health, and the curse of being a smoker, but they are genuinely amazed and surprised when they discover that sky-diving, scuba diving, and mountain climbing will give an underwriter a serious case of heartburn.

Healthy Lifestyle vs. Risky Activities

The folks over at Intelliquote have an interesting take on the relationship between a person’s lifestyle and their insurance rates:

While activities such as regular exercise are likely to boost your mountain climberoverall health because it improves HDL (good cholesterol), some physical activities are considered “risky” when it comes to buying a life insurance policy. If you’re an adventure-seeker and an adrenaline junkie, that’s all well and good. Just expect that you may pay a bit more for your insurance premiums if you’re a participant in these types of sports and hobbies. There is an extensive list of hobbies that insurance companies dislike, but if you like to rock climb, skydive, race (just about anything), hang glide, or scuba dive, expect your rates to go up no matter how healthy you are. 

Applicants should keep in mind that although activities they consider safe and routine because of the amount of time they’ve invested into it, the insurance underwriter may have a completely different take because they are aware of claims that have resulted from each particular activity. They are even likely to be considered HIGH-RISK by the insurer.

What is High-Risk Life Insurance?

When most people consider the term “High-Risk” and associate it with life insurance, their reasoning is typically related to age and health. However, there is considerable more to think about when it comes to high-risk life insurance. Trusted Choice, a marketing association makes it quite clear and to the point in their article about high-risk life insurance:

High-risk life insurance is life insurance coverage that is available for those who are considered a higher risk to insure than other people. What defines a risk category? There are several categories that are considered high risk. They include:

High-risk professions: Many occupations can put you into the higher risk category. People in high-risk professions include underwater welders, underground miners, and firefighters.

High-risk hobbies: You may work at a safe job during the week, but you may still be considered high risk if your weekends involve hobbies such as skydiving, scuba diving or racing cars.

High-risk habits: Some of your lifestyle habits might be high risk, such as smoking cigarettes or cigars, or chewing tobacco.

High-risk diseases: If you have been diagnosed with a serious or life threatening disease such as cancer, pancreatic disease, epilepsy, diabetes, or Alzheimer’s, you are most likely considered high risk. Read More…

So now that we understand the relationship between a risky lifestyle and life insurance, it’s logical that we discuss how we can mitigate the risk of being charged significantly more for doing what we love.

How Can We Minimize Our chances of Paying More?

Things have changed for the insurance shopper in the 21st Century. We can easily shop almost every retailer, service company, and insurer across the United States to determine who will charge the most reasonable price for the product or service you need.

We are now at an advantage because we can click instead of call or drive. Finding affordable life insurance when your passion is considered risky is now easier than ever. You simply need a little good advice about shopping, offers advice to consumers on insurance topics which include research tools and company reviews:

How To Find Affordable High-Risk Life Insurance

It’s All About The Agent

In conclusion, it’s extremely important to note that the agent you select can make a tremendous difference in the rate you pay for your life insurance. Independent agents will always serve you better than career or captured agents. Not necessarily because they work harder or know more about life insurance, it is because they are independent agents who represent multiple carriers and owe their allegiance only to their clients and prospective clients.


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September is National Suicide Prevention Awareness Month

Suicide Prevention Awareness and Helping Those in Need

September is best known for back-to-school and the end of the summer season, but it’s also National Suicide Prevention Awareness Month. Suicide continues to be a rampant problem here in the United States and abroad. According to the Center for Disease Control and Prevention, suicide was the 10th leading cause of death in the U.S. in 2015, resulting in the death of more than 44,000 people. That’s why suicide prevention awareness is so critically important. If you have a friend or a family member that’s going through a difficult time, take a moment to learn about some common suicide warning signs and what you can do to help those in need.

What to Look for in a Person’s Behavior

When a person commits suicide, they often exhibit certain behavior patterns that stem from feelings of helplessness and despair. Keeping an eye out for these types of warning signs might help you prevent a worst-case scenario. If a person talks about being a burden to other people, taking their own life (even if it’s just a joke), or if they express some desire to put an end to negative feelings, they might be considering suicide. You also might notice the person drinking or using drugs more regularly, sleeping through most of the day, or withdrawing from their social life. The person might seem overly anxious, aggressive, depressed, or irritable. If you notice any of these warning signs, you should take action as soon as possible.

How to Help Those Considering Suicide

Even if you’re not sure whether a person is considering suicide, it’s better to be safe than sorry. Start by trying to have a conversation with the person in need. Reach out to them on a regular basis and try to include them in social activities as much as possible. Preventing suicide is not an individual concern – it takes a communal effort. Talk to your friends and family about the person in need. Together, everyone should do their part to make the person feel welcome.

Most people that commit suicide suffer from some kind of mental disorder. Instead of trying to decipher these warning signs or diagnosing the person yourself, you need to contact a professional for more information. You can try the National Suicide Prevention Hotline at 1-800-273-8255. They are open 24 hours a day, 7 days a week.

Don’t let these warning signs go unnoticed. If you’re worried about someone you know, err on the side of caution and take action immediately.

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14 More Things You Probably Didn’t Know about Death


As a follow up to our post, The 19 Things you Probably didn’t Know about Death, here are 14 additional things you might not know about death:

Your Doctors’ Sloppy Handwriting Could Be the Death of You
According to a 2006 report from the National Academies of Science’s Institute of Medicine (IOM), misunderstandings in medication and dosage due to poor handwriting have killed more than 7,000 people annually. The recent introduction of electronic prescriptions is expected to significantly cut down on these deadly errors.

Snack Dispenser, or Bloodthirsty Killing Machine?
Since 1977, an average of two to three people per year have been crushed to death by vending machines. So if your candy bar gets stuck in the little coil, just leave it. You don’t want to piss these things off.

The Left Hand Path…To the Grave!
More than 2,500 left-handed people die each year from using products made for right handed people. The deadliest of which being the right-handed power saw.

Hot Shower Hazard
In the U.S., hot water related burns account for roughly 1,500 hospital admissions and around 100 deaths per year.

The Little Soldier’s Last Stand
Muscle cells activated by calcium ions can cause postmortem muscle contractions, particularly in the penis, which can cause erections, and even ejaculation, after death.

The Living Dead
Cotard’s Delusion (Also known as Walking Corpse Syndrome) is a rare mental illness that causes living people to believe they are actually dead.

When Masturbation Turns Deadly
Auto erotic asphyxiation is the act of strangling or suffocating yourself in order to heighten sexual arousal and orgasm during masturbation. Unfortunately some people just don’t know when to quit, leading to roughly 600 deaths per year from auto erotic asphyxiation.

Man’s Best Friend?
We’re all transfixed by shark attacks in the news, but did you know that your furry friend is a bigger menace to humanity than Jaws? That’s right, dogs kill roughly 34 people per year in the U.S. And while the Pit Bull is predictably the biggest culprit, causing more than 245 deaths between 1982 and 2013, breeds that are considered to be more family friendly can also be dangerous. Labradors and Lab-mixes accounted for 54 fatal attacks in the same 21-year period.

Eaten by Your Own Stomach
Your digestive system is loaded with digestive bacteria that lives on after you pass away. Once you die, this bacteria begins eating away at the dead tissue in your gut before spreading to the rest of your body.

Immortality is Real
There is a secret to eternal life, but unfortunately for you, it involves being a jellyfish. The Turritopsis dohrnii (also known as the Immortal Jellyfish) is one of the only known organisms on the planet to have developed the ability to return to a polyp state. This unique transformation process essentially enables the jellyfish to restart the life cycle over and over again at any stage of its life.

Himalayan Popsicle Graveyard
Mount Everest is littered with the frozen bodies of about 200 failed adventurers. Their corpses now serve as gruesome landmarks for climbers on their way to the summit.

Tunnels of Terror
Due to suicides, accidental falls, and the occasional psychopathic pusher, around 50 people per year are fatally struck by New York City subway trains.

You Are Constantly Dying
About 40 million cells in the human body die every minute.

Dead Man Talking
Due to postmortem muscle contractions, gas that has built up in the lungs can sometimes be forced out through the mouth resulting in eerie groans, moans and sucking sounds from the lips of the deceased.

There you have it – 14 facts about death that you probably now wish you didn’t know. But I bet you’ll think twice about shaking that vending machine the next time it steals your dollar.

If this article inspired you to look into life insurance,  get term life insurance quotes here or contact us if you would prefer speaking with one of our representatives.

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