Life insurance is all about calculating risk. When you take out a policy, you and your insurance company are both hoping that you’ll never have to make a claim. Insurance companies are experts at assessing risk, and calculating how likely it is that a certain type of person will die at any given age.
People are classed in categories, such as low-risk and high-risk-depending on their age, health and lifestyle, and those high-risk people pay much higher insurance premiums, because they’re more likely to die sooner rather than later. How can you make sure you’re in the low-risk category? Try following one or more of these five suggestions.
Become a Vegetarian
Some insurance companies are beginning to include diet in their risk assessment when they calculate premiums. They know that a meatless diet is much healthier than one that includes large amounts of animal protein. No animal protein and much less saturated fat in the diet means vegetarians have a 40% lower risk of developing some cancers, and a 30% lower risk of developing heart disease.
Not all insurance companies take vegetarianism into account when calculating premiums, but if you’re a vegetarian your arteries are going to be in better shape, you may have […]

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