January is National Family Fit Lifestyle Month
Promoting eating nutritious foods and participating in regular physical fitness activities is a great start to increasing eligibility for the best rating classes for life insurance policies. A recent report from the Surgeon General states that between 15 and 25 percent of school children in the United States are overweight, placing them at risk for heart disease, diabetes, and high blood pressure. Only about half of all Americans aged 12 to 21 exercises regularly.
Adults need to be role models for children by educating them on proper food choices and participating in regular activities promoting physical fitness. As my wife and I are empty nesters, we are fortunate to have our children and grandchildren live nearby and we get to see them on a regular basis. I often take my grandchildren to the grocery store to introduce them to the different choices available and teach them which items are the healthiest choices. We intend to commit to a certain number of hours of physical activity each week and will take our grandchildren outside to play and be more active than they would be by sitting in the house watching television or playing on their tablets.
Why is it important to reduce obesity related conditions as it relates to life insurance? Obesity contributes to heart disease, strokes, type 2 diabetes as well as some forms of cancer. All of the conditions relating to obesity can potentially result in either more expensive life insurance premiums or a declination of coverage entirely. Start good lifestyle habits with your children while they are young and get them started with a life insurance policy. You could also consider adding a guaranteed issue rider that will enable them to have multiple opportunities to get more coverage in the future without going through medical underwriting. Think about how you can make January your Family Fit Lifestyle Month.
About the author: Ken Buccico holds a LUTC designation and has been in the life insurance business for 39 years. His wealth of experience empowers clients to make best possible decision regarding a life insurance policy. To explore the best life insurance option, contact Ken at 1-800-651-1953 or KBuccico@Pivot.com.