Experts agree that taking charge of one’s own health and wellness improves the chance for a long, healthy life. And for men, buying a good men’s health insurance policy and seeing a doctor regularly is the best way to take control in these areas, no matter who you are.
Minimizing Risk
Since the state of men’s health affects everyone around them, it is extremely important that men get—and stay—insured.
Often the primary breadwinner in their households, men’s families depend on them to provide the resources necessary for daily survival.
Living Better and Longer
As they age, men face increased risk of disorders such as heart disease, high blood pressure, prostate and testicular problems and the like. But by taking care of their bodies and staying in touch with their health care provider, these problems don’t have to overwhelm them.
Men can improve the quality and length of their lives by:
- Eating a varied diet rich in fruits, vegetables, whole grains and low-fat foods
- Limiting cholesterol intake and avoiding saturated fats
- Exercising regularly: at least 20 minutes, 3 times per week
- Protecting themselves from the sun
- Maintaining a healthy weight
- Drinking plenty of water: at least eight 8-ounce glasses per day
- Drinking in moderation: no more than two drinks per day
- Avoiding smoking and secondhand smoke
- Getting regular checkups
- Knowing their family histories and talking to their doctors about the inherent risks associated with them
- Getting a baseline PSA (Prostate Specific Antigen) test when they reach 40, and monitoring it periodically with their doctor
- Practicing safe sex
- Protecting themselves with seatbelts when riding in cars and helmets when riding on motorcycles or bicycles
- Managing stress
- Seeking medical help when needed
The amount men pay for health insurance is determined partially by their state of health and habits at the time they apply for health coverage. By following these tips for healthy living, men can live longer, thrive, and pay less for health insurance coverage—and that’s welcome relief come retirement time!
Taking Action
If you’re looking for health insurance, or you need to cover that special man in your life, consider using InsureMe. We have health insurance agents in our network that can help you find the right policy.
Don’t risk living without health insurance. Take action today, and enjoy life and health tomorrow!
Written by admin on July 22nd, 2010 with no comments.
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We all love the sense of security and stability permanence brings. With the right preparation, it means we can live with surety, certainty and peace of mind. And by preparing for the future with whole life insurance now, we pass that security on to our loved ones, leaving them what they need to carry on in our absence.
If you’ve never bought life insurance, this information is for you. It’ll help you get educated now so you can provide for your family later—the responsible thing to do.
In It for the Long Haul
Also known as permanent or cash-value life, whole life insurance insures you forever, no matter how long you live, as long as you pay your premiums.
When you buy your policy, your insurance company charges a premium that, in the early years, is higher than what’s needed to pay claims. The extra money is then invested and used to supplement those level premiums as you grow older and the cost of insuring you increases.
Why would you want to buy a policy that charges more than necessary in the beginning? Remember, you’re trading a slightly higher price for the reassurance that your premiums will remain steady—no matter what—as long as your policy is in effect. That means easy budgeting and steady payments. So if you’re looking for a policy with predictable premiums, this type of plan is probably your best bet.
Giving You Options
With this type of insurance, your insurer pays a periodic dividend into your account, which also causes its value to grow over time. If you later find yourself in a bind, you may then borrow against the accumulated monies. However, keep in mind that this reduces the value of your benefits; so if you die before paying it back, the amount your loved ones receive at your death will be deducted from the policy’s total value.
When the amount you’ve paid in premiums reaches a certain level, you have two choices: discontinue the policy and cash it in, or continue on with the original plan you purchased. Since providing for your loved ones is the key here, discontinuing your policy should be done with great caution and on the advice of a professional financial advisor or your insurance agent.
What’s in It for You?
In review, if you’re looking for insurance with lots of options, consider permanent life insurance. It offers you several benefits:
- It insures you for life
- Your premiums never increase
- It builds cash value you may borrow against
- It gives you the option of either cashing it in or canceling it completely
Though these policies cost more than shorter-term policies, the flexibility and financial security they offer are often worth the extra expense, especially in an inflated economy. So consider this carefully when deciding which type of policy works best for you.
Written by admin on July 22nd, 2010 with no comments.
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