Eat Healthier & Exercise

Exercising and eating better may lower your weight, which Life Insurance companies’ factor into calculating your policy premium. Keeping up your healthy habits will lead to better health as you age, meaning more affordable premiums if you need to buy a new policy when you’re older.

Quit Smoking & Drinking

The key is that it’s about sticking to your resolutions. Most providers will still treat you like a smoker if you’re using nicotine patches or gum to wean off of a tobacco habit. If you remain tobacco free for at least a year, you can have your Life Insurance policy reviewed for a possible decrease in premium.

Create a New Budget

January is a great time to start a new budget and savings plan. Being financially smart and savvy, could get you a better rate with Life Insurance. Many companies will consider your credit score and past late payments history when reviewing your application and rates.

Insurance underwriters price your policy based on your health and lifestyle. If your goals for next year will improve your health or finances, life insurance companies could offer you lower rates. However, it’s safest to get coverage as soon as possible, even if your health or lifestyle might make your policy more expensive while you’re making changes. Buy a policy now to ensure your loved ones are protected and reapply or ask for reconsideration for lower premiums in the future.

Don’t be left unprotected! Contact us today at 269-925-0611 to explore your options or visit our website at to fill out a FREE online quote form. We write with numerous top rated Life Insurance carriers and can customize a plan to fit your needs so you and your family are protected.

Flaugh Insurance is an independent, family owned, local agent who writes with several national carriers. We can service all of your insurance needs no matter where you are located – Benton Harbor, St. Joseph, Stevensville, New Buffalo, Hartford, Coloma, Watervliet, Berrien Springs, and many more! Call our office today to review your insurance at 269-925-0611 or visit