When looking for online life insurance quotes, many people wonder how their health will affect the price of their premium. The simple answer, as you might expect, is that the healthier you are, the lower the quote is likely to be. However, insurance companies consider a number of factors which together combine to give you a final figure.
Overall, what an insurance company calculates is the level of risk that your health will critically fail to the point of causing premature death. For this reason there are a number of familiar factors which are likely to increase your premiums, due to their widely known hazardous effects on health. Some of these can loosely be termed lifestyle habits, such as smoking cigarettes, high alcohol intake and obesity. All of these carry both short and long term health risks and have been proven to adversely affect life span. As a result, such issues will be likely to increase your quote.
Insurers do recognize that the effects of these can be significantly reduced with appropriate changes in behavior. Stopping smoking, reducing alcohol intake or starting a balanced diet and exercise program can all have healthful effects. A re-assessment of your general health following changes in lifestyle may help you to reduce your premiums if there have been significant health improvements. This means that your own actions can positively influence your life insurance quote.
In all cases be honest about your current state of health, even if a medical examination or report is not requested. Misleading or false information can lead to the policy becoming void and non-payable. It is also worth remembering that a good level of general health will benefit both you and your family and is therefore always worth the effort. Life insurance provides security for the worst, but good health ensures your quality of life.