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Get Back in Shape! Your Term Life Insurance Calculator Says So

When you are looking for the best rates in life insurance policies, term life insurance is undoubtedly the way to go. However, if your health is bad, there’s a good chance that even term insurance will cost you more than you were looking to spend. If you use our term life insurance calculator, you can see the difference in rates between people who live healthy lifestyles and those who don’t. Getting back in shape can help you get the rates you need and increase your quality of life.

Here are some tips for getting back in shape:

Exercise.

Just because you don’t have the money to get a gym membership doesn’t mean you can’t be in shape. There are lots of things that you can do in your own home and neighborhood that can get you to the place you want to be physically. For instance, you can always run in the park, invest in a jump rope or a couple of small weights, and do sit-ups in your basement.

Eat Healthy.

Your term life insurance quote will be based on both your current state of health and your family history. So, if you have a history of heart issues and your blood pressure is sometimes high, cut down on the greasy and fatty foods and stay away from fast food chains! Not only will this result in a better life down the road, but it will also show your initiative to the insurance company, and they will be more likely to give you a better rate.

Don’t Smoke!

If you use a term life insurance calculator, you will notice a significant difference between the rates of smokers and non-smokers. Not only will quitting smoking make you less likely to develop lung cancer, it also makes you more likely to get a break on your premiums, which can be a big deal for anyone on a budget. Quitting may be easier said than done but the amount you will save on payments, not to mention on the actual cigarettes, will be well worth it.

A Term Life Insurance Calculator Can Help College Students

If you are 18 and about to start college, your chances of dying anytime soon are pretty minimal. That doesn’t mean that it can’t happen and if it does, what will your parents do? Term life insurance is the most reasonable on the market and a term life insurance calculator can help you determine which policy is right for your budget.

When you start college, the debts start to pile up. Unless you have a full scholarship and few expenses, you will probably end up with lots of student loans and other payments to contend with. Some government student loans are cancelled in the event of your death, but private loans are here to stay. If your parents co-sign, which they will probably have to if you are 18 and have no credit, then if you die they will be left with the debt. If you were to die your 3rd year of college at a $45,000 a year school, that’s no chump change. Term life insurance can be the difference between leaving your parents in dire straits and leaving them without worry.

Term life insurance is a type of life insurance where you pay for a certain period of coverage, after which your coverage expires. You can elect to pay for as little as a 10 year period or as much as a 30 year period. A term life insurance calculator will help you figure out which policy would benefit you the most. With youth and health factors on your side, your payments will be some of the lowest available, a distinct advantage to college students. You could also get a 10 year renewable policy, so that you would have the option to extend or even upgrade your policy when you’re a little older and more likely to have a steady job and a family of your own.

When you start college, your sudden death is the furthest thing from your mind. Don’t leave your finances to chance. A term life insurance quote can help you and your family rest easy knowing that your expenses and loans will be covered if the worst should happen.