We all have those moments when we think about our life and how it has turned out. Some wish they had done things differently along the way. Some believe that their path was chosen, and they are living exactly the way it was intended. However you may feel, life is precious and each and every day that we wake up, one should feel grateful for the chance to have another day.
That brings me to the subject of life insurance. No one truly likes to think about their possible passing, but any life insurance person will be the first to tell you how important life insurance is. But what exactly is life insurance? Life insurance is a contract between an insurance policyholder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of an insured person.
It can be used to pay for the funeral of your loved ones, it can be used to pay off mortgages, car payments or other debt that the insured may have had. It can be used for living expenses for the family that is left without the insured income. To me, this sounds pretty important to have. Citywide Insurance offers Motorist Life Insurance. You can even fill out a submission form that asks a few basic questions and Citywide Insurance can provide you with a no-obligation quote, allowing you to compare and possibly save money.
For now, let’s talk a little bit about the few basic questions that are asked on this form. It wants to know your height, weight, tobacco/nicotine use and if the person applied for insurance, in the last 12 months, been declined; rated, or issued “sub-standard” or have a pending application for life insurance coverage with any company.
The reason behind these basic questions is pretty much elementary. Your height/weight can determine if you are overweight which can affect your health along with the tobacco question which determines if you have a risk of lung/mouth cancer. An overweight person along with a person who uses tobacco products will pay higher premiums or even possibly not be accepted.
People who follow the following guidelines can pretty much be assured lower premiums and acceptance of life insurance:
- People who move. Exercise can reduce the risk for age-related diseases and disability.
- People who eat a healthy diet. Avoid processed and fried foods, along with white sugar.
- People who pay attention to their weight and shape.
- People who don’t smoke or use tobacco.
- People who keep their brain active. Reading and brain puzzles can help.
- People who are good to their self. Who are positive and who avoid negative situations and people.
- People who drink alcohol only in moderation, or not drink alcohol at all.
Let’s think about this. Become responsible for yourself and your family. Talk to the Insurance experts at Citywide Insurance. Find out the best life insurance policy for you. Take control of your physical and mental health. Live your best life. Citywide Insurance can help. Reach out today.
Life doesn’t require that we be the best, only that we try our bestH. Jackson Brown Jr.