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How Your Daily Habits Affect Your Life Insurance Rate

Dependable Dave VS Daredevil Dave LET'S TAKE A PEEK AT HOW LIFE INSURANCE UNDERWRITERS WOULD MATCH THEM UP! Dependable Dave Daredevil Dave MEET DAREDEVIL DAVE, HE NEVER MET A DONUT HE DIDN'T LIKE... IN THE BAKERY OR ON THE STREET. DAVE NEEDS A LITTLE WORK. MEET DEPENDABLE DAVE. HE RETURNS LIBRARY BOOKS ON TIME AND NEVER DRINKS MILK OUT OF THE CARTON. YAY, DAVE! LET'S TAKE A LOOK AT A TYPICAL DAY IN THEIR LIVES... AND SEE HOW THEIR CHOICES AFFECT THEIR LIFE INSURANCE RATES. It's 6:30 a.m. Our sleepy guys pick one activity to boost their energy for the day ahead. Exercise Energy Supplements SHORT-TERM EFFECTS: ENERGY CIRCULATES OXYGEN & RELEASES EPINEPHRINE ANXIETY, TREMBLING, INSOMNIA, HEARTBURN, FLUID LOSS, INCREASED BLOOD PRESSURE DAINK AND NOREPINEPHRINE LONG-TERM EFFECTS: LOW CALCIUM LEVELS IN BONES, SLEEP DEPRIVATION Time to get dressed! If Dave's pants are a little too tight, his insurer knows the reason why. 30 25+ MORE THAN 1/3 BMI = OVERWEIGHT MINUTES OF MODERATE EXERCISE A DAY IS 30+ THE SAFEST WAY TO LOSE WEIGHT OF U.S. ADULTS ARE OBESE BMI = OBESE Driving to work seems easy, but insurers want to know how safety-conscious Dave is. 2013 Honda ─îivic 2013 Harley Davidson INSURERS LIKE TWO THINGS: SAFETY & STATISTICS ABOUT SAFETY 39 MPG, SPEED OF 70 MPH, $45/WEEH FOR GAS 51 MPG, SPEED OF 110 MPH, $25/WEEK FOR GAS 65: PERCENT LESS LIKELY CAR OCCUPANTS ARE TO DIE IN A CRASH THAN MOTORCYCLISTS 55 PERCENT INCREASE IN MOTORCYCLE-RELATED DEATHS SINCE 2000 Distracted, multi-tasking drivers run the risk of a ticket... or worse. 2%-15% $50-$600 AMOUNT SAVED OoN AUTO INSURANCE FOR SAFE DRIVERS COST OF A SPEEDING TICKET, DEPENDING ON SPEED AND LOCATION PERCENTAGE OF PEOPLE WHO LIKE GOING TO THE DMU CLEAN DRIVING RECORD 2-5 SPEEDING TICKETS LESS RISK 1 DUI IN FIVE YEARS LOWER LIFE INSURANCE RATES POTENTIAL HIGH-RISK CLASSIFICATION Dave's boss wants a sales report in 10 minutes! Can healthy habits save the day..and his insurance rate? RELAXATION TECHNIQUES: MEDITATION, MASSAGE, YOGA & TAI-CHI PHYSICAL EFFECTS OF STRESS: HEADACHE, CHEST PAIN, FATIGUE & SLEEP PROBLEMS EFFECTS OF RELAXATION: DECREASED MUSCLE TENSION, REGULAR HEART RATE & BLOOD PRESSURE MENTAL EFFECTS OF STRESS: ANXIETY, IRRITABILITY, DEPRESSION, ANGER & WITHDRAWAL Uh-oh, he missed the deadline. Which Dave turns to smoking to calm his nerves? Non-Smoker Smoker 12 NUMBER OF HOURS AFTER QUITTING THAT CARBON MONOXIDE IN YOUR BLOOD DROPS TO NORMAL LEVELS 90 80 PERCENT OF ALL LUNG CANCER DEATHS IN MEN ARE CAUSED BY SMOHING -HEART ATTACH RISH DROPS - LUNG PERFORMANCE IMPROVES AFTER 90 DAYS Cigarette -HEART DISEASE RISH CUT IN HALF AFTER 1 YEAR - LUNG CANCER & STROKE RISH ARE THE SAME AS A PERSON WHO NEVER SMOKED AFTER 10 YEARS PERCENT OF ALL LUNG CANCER DEATHS IN WOMEN ARE CAUSED BY SMOHING Pheu..it's finally time for lunch! What's on the menu? Healthy Food Junk Food MORE LIKELY TO DEVELOP DEPRESSION IF YOU EAT FAST FOOD REGULARLY FOR 6 MONTHS REDUCING SODIUM INTAKE TO 2,300 MG/DAY WOULD SAVE 500,000-850,00O LIVES OVER 51* THE NEXT 10 YEARS THROUGH REDUCED HEART ATTACK & STROKE Time to make weekend plans! What are Dave's favorite hobbies? Leisure Sports & Games BOWLING, GOLF, PING PONG, FRISBEE GOLF, INDOOR SOCCER, BASHETBALL, DARTS, HORSESHOES Extreme Sports & Hazardous Activities SHYDIVING, ROCH CLIMBING, BUNGEE JUMPING, CLIFF DIVING, PARASAILING 721 CALORIES BURNED BY GOLFERS WHO CARRY THEIR Own BAG 2011 40 LOWER DEATH RATE % FOR GOLFERS THAN SAME AGE/SEX WHO DOn'T GOLF 25 SKYDIVING FATALITIES PER 3.1 MILLION JUMPS That night, a bill comes in the mail. Which Dave reaps the benefits of paying on time? $1,000,000 723 AVERAGE FICO CREDIT SCORE IN U.S. LIFETIME SAVINGS OF PERFECT CREDIT US BAD CREDIT QUICK! NAME A SONG ABOUT BILLS THAT'S NOT "BILLS, BILLS, BILLS.' 25 1 IN 4 FICO 1% CREDIT SCORES BELOW 600 750+ BAD CREDIT SIGNALS RISKY BEHAVIOR CREDIT SCORE: BEST RATES OFFERED TO YOU HIGHER LIFE INSURANCE RATES Thinking about money is stressful. Dave might be driven to drink...but drink what? Water Alcohol Beer 12 CUPS OF FLUID PER DAY HARMFUL EFFECTS: RED BLOOD CELL CLUMPS TISSUES STARVED OF OXYGEN STOMACH ULCERS LOWERS YOUR RISK FOR KIDNEY STONES Beer SWAP A 20-OUNCE SODA FOR WATER TO SAVE 240 HYPOGLYCEMIA DIABETES CALORIES ANEMIA Bedtime! Both guys are tired, but only one gets the recommended amount of sleep. 6-9 5-6 DID YOU KNOW? LIGHT EXPOSURE BEFORE SLEEP CAN DISRUPT YOUR BODY'S RHYTHMS. HOURS PER NIGHT HOURS PER NIGHT 40 60 HIGH QUALITY SLEEP IS AS IMPORTANT AS NUTRITION AND EXERCISE PERCENT COGNITIVE PERFORMANCE DECREASES AFTER 1 SLEEPLESS NIGHT -EXERCISE EARLY IN THE DAY -no MEALS NEAR BEDTIME -GO TO BED AT SAME TIME -no WEB OR TU IN BED PERCENT COGNITIVE PERFORMANCE DECREASES AFTER 2 SLEEPLESS NIGHTS Sometimes insurance is about more than lifestyle choices. Dave's genetics play a role, too. "HAPPINESS IS HAVING A LARGE, LOVING, CARING, CLOSE-KNIT FAMILY IN ANOTHER CITY. IMMEDIATE FAMILY MEMBERS REGULAR DOCTOR VISITS UNDER 60 HAVE HEART DISEASE, CANCER, HIGH BLOOD PRESSURE, DIABETES, STROKE OR PARKINSON'S %3D BETTER CHANCE TO SCREEN/CATCH HEREDITARY CONDITIONS %3D GEORGE BURNS HIGHER PREMIUMS OR NO COVERAGE LIFE INSURANCE QUOTES APPROXIMATE MONTHLY Daredevil Dave COST FOR LIFE INSURANCE: $111 ($1,230/YEAR)* VS APPROXIMATE MONTHLY Dependable Dave COST FOR LIFE INSURANCE: $274 ($3,150/YEAR) ** BEING DEPENDABLE CAN CUT YOUR LIFE INSURANCE COST IN HALF! *PRUDENTIAL, $500,000 COVERAGE FOR 30-YEAR TERM, CA RESIDENT BORN MARCH 8, 1973, 5'10", 160 POUNDS, NO TOBACCO USE, PREFERRED PLUS HEALTH CLASS SBLI, $500,000 COVERAGE FOR 30-YEAR TERM, CA RESIDENT BORN MARCH 8, 1973, 5'10", 185 POUNDS, CURRENT TOBACCO USE, STANDARD HEALTH CLASS Sources: - CDC.gov: Motorcycle Safety: http://www.cdc.gov/features/motorcyclesafety/ ArmedForcesJournal.com: http://www.armedforcesjournal.com/2011/12/8513174/ - Palo Alto Medical Foundation: http://www.pamf.org/sleep/about/healtheffects.html - CDC.gov: Health Effects of Cigarette Smoking: http://www.cdc.gov/tobacco/data_statistics/fact_sheets/health_effects/effects_cig_smoking/ United States Parachute Association: Skydiving Safety: http://www.uspa.org/AboutSkydiving/SkydivingSafety/tabid/526/Default.aspx - Money.MSN.com: The Absolute Worst Credit Score: http://money.msn.com/saving-money-tips/post.aspx?post=ac6e119a-adb3-40f2-943c-4bb7fc2237c0 - AARP.org: How Bad Credit Costs You: http://www.aarp.org/money/credit-loans-debt/info-07-2011/how-bad-credit-costs-you.html - MayoClinic.com: Stress Symptoms: http://www.mayoclinic.com/health/stress-symptoms/SRO0008_D -APA.org: Stress: http://www.apa.org/helpcenter/stress.aspx CDC.gov: The Health Effects of Overweight and Obesity: http://www.cdc.gov/healthyweight/effects/index.html - OregonCounseling.org: Biological Impacts of Alcohol Use: http://www.oregoncounseling.org/articlespapers/documents/etohbiofx.htm - UCLA.org: Stimulated About Caffeine: https://docs.google.com/viewer?a=v&q=cache:CyvWysiXP04J:www.dining.ucla.edu/housing_site/dining/ SNAC_pdf/StimulatedAboutCaffeine.pdf+&hl=en&gl=us&pid=bl&srcid=DADGEESihd-26-vK5sXIB6WhFNPk1qTZ_XnJw74jS45mrOROHgZZjzTJuKBdUKmTeziGHJOs6roB67UHldUo6qCTbnhD5ylDD6pp_ oOgTACnSKhoURFCCRuy03zNivx4IFae4Slg8sFt7&sig=AHIEtbTU_OdtU5X3hjemTu0VSTOP1hSUFQ - ScienceDaily.com: Too Much Fast Food and Too Little Exercise Harm The Liver: http://www.sciencedaily.com/releases/2008/02/080217222513.htm - FitSugar.com: Too Much Fast Food Can Lead to Depression, Study: http://www.fitsugar.com/Fast-Food-Linked-Depression-Study-Says-22454744 - LifelnsurancebyJeff.com: http://lifeinsurancebyjeff.com/family-history-and-life-insurance/ - TrafficSafety.org: Motorcycle Related Injuries and Fatalities: http://trafficsafety.org/safety/sharing/motorcycle/motor-facts/motor-injuries-fatalities - SleepFoundation.org: http://www.sleepfoundation.org/article/how-sleep-works/how-much-sleep-do-we-really-need - HealthySleep.Med.Harvard.edu: http://healthysleep.med.harvard.edu/need-sleep/whats-in-it-for-you/health - WomensHealth.gov: http://womenshealth.gov/smoking-how-to-quit/tools/what-happens-when-you-quit-smoking.cfm - Bankrate.com: Car Insurance Discounts for Older Drivers: http://www.bankrate.com/finance/insurance/car-insurance-discounts-for-older-drivers.aspx - American Society of Golf Course Architects: http://www.asgca.org/news/222-health-studies-detail-benefits-of-playing-golf - Bankrate.com: High Credit Score Can Save You Plenty: http://www.bankrate.com/finance/debt/high-credit-score-can-save-you-plenty-1.aspx MayoClinic.com: Stress Management: http://www.mayoclinic.com/health/stress/SRO0001/NSECTIONGROUP=2 -WebMD.com: http://www.webmd.com/diet/features/6-reasons-to-drink-water?page=2 - LifeHacker.com: http://lifehacker.com/5909213/drink-water-to-improve-test-scores - CDC.gov: http://www.cdc.gov/nutrition/everyone/basics/water.html - Health.Harvard.Edu: 9 Ways to Boost Your Energy: http://www.health.harvard.edu/healthbeat/HEALTHbeat_060706.htm - UCSF.edu: http://www.ucsf.edu/news/2013/02/13516/reducing-sodium-american-diet-would-save-hundreds-thousands-lives - Cancer.Stanford.edu: http://cancer.stanford.edu/information/nutritionAndCancer/reduceRisk/ TRUSTED OUOTE WI

How Your Daily Habits Affect Your Life Insurance Rate

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How does your lifestyle affect your life insurance rate? Follow Dependable Dave and Daredevil Dave through a day in the life to find out how their choices help them save (or spend more!) on life insur...

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