When you get life insurance in Shelton, CT, there are numerous factors that must be taken into consideration before an insurer like Goodman Insurance Inc. will offer you coverage. This may include anything from family history to your current health. Here is a closer look at some of the most common lifestyle factors that will play a role in your life insurance coverage rates.
Drinking Habits
If you regularly consume an excessive amount of alcohol, you are predisposed to a number of health conditions, such as hypertension, gastritis, and even seizures. Since these health conditions can have a considerable impact on your well-being and future health, you can expect your drinking habits to be considered when determining whether to offer you life insurance coverage and at what rate. Lowering or stopping your alcohol consumption may benefit you and your policy premiums.
Tobacco Use
You have always been told that it is bad for your health to smoke, so it probably comes as no surprise that an insurance company will take your tobacco usage into consideration for a life insurance policy. This includes anything from cigarettes and vapes to pipe smoking and chewing tobacco. Stopping smoking can reduce your risk of developing heart disease, cancer, and other health conditions later in life, which may have an impact on your rates.
Hobbies
It may be hard to believe, but your physical lifestyle can play a role in your life insurance rates. This is because there are certain activities that are considered risky, such as sky diving, mountain climbing, scuba diving, and auto racing.
Got questions? Contact Goodman Insurance Inc., serving the Shelton, CT area, to find out more about life insurance and what you can do to control your rates.
