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Lifesearch, an independent insurance broker, say in the last 10 years Life insurance has become cheaper to buy by 30 per cent; as cheap as it has ever been. And, if you already have a plan in place you may be able to lessen your premium by switching to another insurer.

However, if you have any health issues, such as being over-weight or you have a risky job, perhaps in the Armed Forces, you might not be eligible for a cheaper premium and have to pay more for your cover. A quote from More Than for 40 year-old male, for 25 years to the value of 100,000 pounds, at slightly over 11 pounds per month and this, and the cover, will remain the same throughout the term of the policy.

If a 40 year-old man were to have a Body Mass Index (BMI) of over 30, he would be classed as obese and his premium could be more than 50 per cent higher, according to Lifesearch.

Matt Morris from Lifesearch says, ‘The old loading for obesity meant premiums jumped by up to 20 per cent. That is more like 50 per cent today and can in some cases be more. People are being loaded earlier and loaded higher.’ He continued, ‘No single insurer will be cheapest for everyone. Those who have a high BMI or complicated medical problems should shop around for the best cover.’

Wesley Boden from Warrington, Cheshire, did just that having approached Lloyds TSB, his own bank, for a quote for a Decreasing Term insurance for 90,000 pounds. They quoted him 29 pounds per month which included a loading because of Wesley’s BMI being just higher than the approved level.

Wesley went to Lifesearch for some advice. They shopped around for him and came up with exactly the same cover for 17.57 pounds per month. He said, ‘Lifesearch looked across the entire marketplace and found an insurer that didn’t see me as an increased risk. I purchased cover at standard terms, which means I will be able to shave thousands of pounds off the cost of cover over the life of the policy.’

The NFU Mutual says that only a meager 10 per cent of rural residents consider Life insurance as high-priority for safe-guarding their families. The NFU specialises in insurance for rural enterprises and farmers and in a recent survey they revealed that 10 per cent of country dwellers live there for the community spirit and 10 per cent say they live there to be near to family.

Juliet Ward from NFU says, ‘The fact that only a small proportion of rural dwellers view life insurance as a priority is concerning. Perhaps those in the countryside think that living in a rural community means closer links to their wider family and friends, who could take care of their children if the worst should happen. Life cover doesn’t have to break the bank and it’s not worth taking short cuts when protecting your family,’ she goes on to say. With life insurance premiums at an all time low it would be foolish not to consider protecting your family.

A 40 year-old female, non-smoker would pay around 9.27 pounds per month for 100,000 pounds worth of cover on a ten year policy, and a male, same age, non-smoker would pay 10.91 pounds for the same cover, based on quotes from the NFU.Get great deals on Life insurance from The Life Insurance Specialists. Please visit our site for helpful articles on Life Insurance. Visit Brokers Online to benefit from its extensive article library covering most areas of uk finance.They also offer Life Insurance Quotes, Mortgage Quotes and much much more all online.

Most adults are well aware that health care costs have been skyrocketing for years, driving up health insurance rates in the process. Your own healthy living habits can go a long way toward keeping your rates as low as possible and saving you money in the long run. Here are some of the most important steps you can take to get healthy.

– Get your weight in check. If you are overweight or even obese, you know you hate to go clothes shopping or even look in the mirror in the morning. But looks are not the only thing affected by excess fat: health insurance coverage can actually be denied if your weight exceeds an established threshold. Insurance underwriters often use the BMI (Body Mass Index) calculation as an estimate of how much body fat an applicant may have. If you have a BMI between 29 and 43, your rates will be higher; if your BMI is over 43, you may very well be denied coverage altogether.

– Stop smoking and do it now. Insurers know that the potential health costs for smokers are substantially higher than they are for non-smokers, and if you choose to smoke those costs will definitely be passed on to you through higher premiums. Smoking may lead to diseases such as COPD and lung cancer as well as a variety of other ailments. It is harmful both to you and to those around you who inhale smoke second-hand. Smoking is not just a bad habit: it’s expensive as well.

– Get off your butt and start getting more exercise. Even if you lead a sedentary work life, there are definite steps you can take to ramp up the amount of movement you make during the day. Walk instead of driving; take stairs instead of the elevator; park far away from the building entrance instead of taking the nearest spot; take power walks during your lunch hour to get your endorphins going for the rest of the afternoon; set a regular time for going to the gym and stick with it; play outside with your kids after you get home from work.

– Cut back on alcoholic beverages. Having an occasional drink will not adversely affect your health, but chronic over-indulgence will. Those who have two or more alcoholic drinks a day will significantly reduce their life spans and will face the likelihood of having to pay more in health insurance premiums.

Keeping health insurance costs down is really a matter of common sense. If we insist on keeping bad habits that affect our health, we should expect to have higher premiums or be denied coverage altogether as a result. If high premiums are a concern, we should take every needed step to start lowering them.Absolute Insurance Group (http://www.absolutelifequote.com) is an independent insurance agent, which provides North Carolina residents with all types of Charlotte health insurance coverage from the top carriers in the country. Art Gib is a freelance writer.