Hey! We’ve got a Secret to Tell You.
Have you recently been declined for health insurance coverage or saddled with high premiums because of non-cancer or non-smoking related health problems? Well, you can get better ratings and better insurance. In fact, it will take a little bit of discipline and some time, but it might not be as difficult as you think.
Your Job Could Be Costing You Money
If you work in a traditional office environment or a sedentary job, you are lowering your lifespan and increase your chances of getting declined for insurance coverage or paying high premium prices. This is because you are considered a high risk client.
You may be reading this and thinking that, in terms of traditional high risk careers, an office job doesn’t seem high on this list, particularly when compared of other high risk jobs such as pilots or race car drivers. However, according to a recent article published by The LA Times, those who sit for long periods of time increase their risk for cancer, type 2 diabetes and cardiovascular disease and shortens the average lifespan. The scary part? This could be true, even if you get the daily recommended amount of exercise. There is also evidence to suggest that sitting for prolonged periods of time are linked to obesity.
Lowering Your Risk
The good news is that lowering your risk and your life insurance premium is as easy as getting up and moving around more! If you work in an office environment, you should try to get up and move around every half-hour or so for a few minutes.
When it comes to weight loss, little changes add up to see big results. Losing weight and strengthening your heart are two sure-fire ways to ensure that you earn a better rating from your insurance underwriter.
Additionally, there are measures you can take to lose weight at your desk. By combining these with a steady cardiovascular plan and a healthy diet, you will be well on your way to earning a better rating. Remember to consult your physician before embarking on any weight loss regimen.
The Sedentary Worker’s Guide to Better Insurance Ratings
We’ve compiled a few things to help you get started on your journey from sedentary to healthy. By combining these simple steps and sticking to them, you’ll see a slimmer waist – and a fatter wallet – in no time.
- Water is your friend.
If you drink carbonated beverages, juices or even a morning cup of Joe with cream and sugar, you are consuming hundreds of extra calories per day. Eat Regularly. Eating regularly-spaced, smaller meals throughout the day is an easy way to keep your insulin levels stable and to prevent you from snacking on those high-calorie “convenience” foods from the office kitchen of vending machine.
- Portion sizes matter.
In additional to eating more frequently, you should be mindful of how much you are eating. Taking the time to prep your meals and to measure out your portions is an easy way to lose weight and get healthier. As for all of those coworker luncheons out: take half of your food to-go! This way you’ll have leftovers and can monitor your portions.
- Take baby steps.
A FitBit or another fitness tracker is a great way to keep you on track with your step goals. You should aim for an average of 10,000 steps/day. It also helps to set a reminder on your device to help you remember to get up and move around every once and awhile!
- Find a fun activity.
If you enjoy doing an activity, you will look forward to doing it and it will be easier for you to stay on track. A few hours of physical activity per week, combined with measures to be more active in the office, can add up to big results.
- Grab a buddy!
If you are trying to get healthy, recruit an office buddy! It might even help to make a game out of it and recruit your whole office. This way, everyone is motivated to stay on track and won’t being in office treats and temptations that could sabotage your progress.
Better Ratings Are In Your Grasp
While we always recommend talking to your physician before embarking on a weight-loss journey, we are here to provide you with lifestyle tips and tricks to help you obtain the best life insurance policy – at the best price possible.