A Physical For Your Life Insurance Policy

Our last blog post discussed getting healthy so you can possibly lower your life insurance premiums. This post we would like to address the aspect of getting a physical for your life insurance policy. A former senior health care advisor to President Obama, Ezekiel J. Emanuel, has recently stated to The New York Times that people should just skip their annual physical. While this is an interesting perspective, skipping a physical is usually not an option for a person looking to obtain a life insurance policy.

Gulf Coast Educators Insurance offers a variety of life insurance products to residents in the Southwest Florida area. Gulf Coast Educators Insurance encourages consumers to consider purchasing life insurance in order to provide for a spouse, family, or others who rely on your income for survival. A life insurance policy can also help provide funds for medical emergencies, legal aid, and funeral costs.

Being in perfect health is not needed in order to obtain a life insurance policy. In most cases, an exam is needed to obtain your life insurance policy. However, you don’t even need to leave your home or office for your life insurance exam. A qualified person will come to you to conduct the exam. A typical exam consists of:
• Providing a detailed medical history
• Your height and weight
• Your blood pressure and pulse
• A blood sample
• A urine sample

If you are interested in obtaining a high level of insurance or are older, other tests such as an EKG or treadmill stress test might be required. The results of the tests are used to determine whether you are a candidate for life insurance and what the premium of your life insurance policy will cost.

Gulf Coast Educators Insurance encourages everyone to follow healthy habits. Losing weight, stop smoking, and exercise all help keep you in good shape. These habits might help you obtain the best life insurance policy with the best premiums.

We offer several options when considering a life insurance policy. These options include:
• Term Insurance
• Whole Life Insurance
• Universal Life Insurance
• Key Person Insurance
• Buy-Sell Agreement for business owners

Our experienced and knowledgeable insurance agents are ready to help you determine which type of life insurance is best for you and your family. We will guide you step by step in creating the best insurance policy for you. Please contact our Naples office at 239-591-0963. You can reach our Port Charlotte office at 941-391-5423. Our Ft. Myers insurance agents are available at 239-997-0420. We look forward to working with you!

Life Insurance – Make It A Healthy Year!

Happy New Year! Now How’s Your Health?

A Leaner You May Cost You Less in A Life Insurance Policy

A new year brings New Year’s resolutions. Many people resolve to get healthier, eat better, and exercise more. Gulf Coast Educators Insurance offers some tips to help you achieve your goals:
• If you smoke, quit!
• If you are overweight, consider trying to lose 10% of your body weight
• Try new recipes, have meatless Monday, substitute high fat ingredients for low fat options
• Drink more water
• Sneak exercise into your day

Smoking is a major detriment to your health. It can cause cancer, heart disease, stroke, and other lung diseases. On average, smokers dies 13 to 14 years earlier than non-smokers. Quitting is the best thing that you can do for your health. The Mayo Clinic offers ways to resist smoking. These tips are:
• Try nicotine replacement therapy
• Avoid triggers
• Delay yourself from having a cigarette. During that time, distract yourself with something else.
• Chew on something such as gum or hard candy
• Don’t have “just one”
• Reduce stress through meditation, deep breathing, yoga, etc.
• Get up and exercise
• Ask for help from family, friends, or a support group

While smoking is bad for your health, so is being overweight. The extra weight you are carrying can cause type 2 diabetes, heart disease, and high blood pressure. The weight also puts more stress on your body. There are many different types of diets and diet plans out there but the only way to really lose weight is to change your eating habits. Decrease the calories going into your body and increase the calories leaving your body through exercise. Other tips include eating more fruits and vegetables, eating whole grains instead of unrefined grains, and enjoying lean protein such as seafood and beans. Of course, drink water as much as possible. Fruit juices and soda are just ways of adding extra calories to your day.

Exercise can help you lose weight, improve your mood, boost your energy, and help you sleep better. Exercise need not be boring or done at a gym. Chasing your toddler around the park, cleaning the house, shooting hoops with your son, all of these are forms of exercise. The best way to exercise is to find something that you enjoy and go have fun. You can also sneak exercise into your day. Try parking further away from a store, use the stairs instead of the elevator, take a mini-break at work and do some stretching. All of these things will help you feel better.

Gulf Coast Educators Insurance wants you to be healthy and enjoy the New Year. Being healthy can help lower your life insurance rates along with leading to a happier and longer life. We recommend you consider purchasing a life insurance policy but know that your overall health can affect your rates. Our experienced and seasoned agents are happy to tailor a life insurance policy to your lifestyle. Please give us a call to get started. For our Naples office, please call 239-591-0963. To reach our Port Charlotte branch, please call 941-391-5423. To speak with an agent at our Ft. Myers office, please call 239-997-0420. We look forward to helping you. Best wishes for a healthy 2015!