If you’re a smoker, going on a stop-smoking program, for example, can provide you with a nonsmoker’s rate on your life insurance after one year of quitting.
And two years into a smoke-free lifestyle, you may qualify for a preferred nonsmoker’s premium on your life insurance policy.
The same holds true if you’re overweight, a key factor for insurers who know that statistically, overweight people will be a higher risk due to health factors ranging from high cholesterol and high blood pressure, to diabetes, heart attack and stroke.
So, if you improve your height-to-weight ratio, you may be able to have your life insurance policy re-rated base don your new healthier weight.
Also, you can compare life insurance prices from other carriers to find out if you may qualify for a better rate than you are currently paying on your life insurance plan.