Everyone knows about the obesity epidemic. Americans are at an all-time weight high, due to poor eating habits, no exercise, heredity, and lack of nutrition knowledge.

Obesity is not only unhealthy; did you know that it can also affect you life insurance? Being overweight causes complications and can cause diseases like diabetes, high blood pressure, and heart conditions. When you go in to purchase life insurance, they will ask your age, weight, BMI, gender, etc. before you sign any paperwork. They will check your BMI, or body mass index, and based on that, if you are obese your life insurance costs could rise. Being overweight can put you into a high-risk category, and illnesses like diabetes need long term care.

Insurance companies simply must assess your overall level of risk. A heavier person is more likely to become ill than a healthier one. Heavy smokers, heavy drinkers, and people who participate in dangerous sports get the same treatment.

As 2009 approaches, if you are overweight and considering getting a life insurance policy, maybe it's time to set some goals. Do you have time to exercise more often?  Maybe you dread going to a gym or jogging around your neighborhood. It may be a good idea to save up and buy a treadmill for you home. You could have complete privacy and walk on your treadmill while watching your favorite DVD or calling a friend.

It's easy to continue gaining weight if your home is full of bad food. Does your neighborhood have a healthier grocery store, like Whole Foods or a fresh market? If so, try buying most of your meals there instead of eating out or shopping at a regular grocery store. Think of the healthy foods you love and stock your fridge and pantry with them. There are many healthy foods that are delicious - yogurt, carrots, salads, etc.

Remember, the point of a life insurance policy is to provide for the future of your loved ones. Maybe it's also time to set good examples for them with your eating and health habits.

For more information on life insurance, contact us today! We're Bright Insurance, based in Milford, Massachusetts.