Life insurance is a beautiful way to protect your loved ones in the event of your untimely death. An insurance policy can help pay for a funeral, ensuring your loved ones can grieve instead of worrying about funeral costs. It can cover debt and ensure family members don’t have to worry about the electric bill. However, several things may impact your insurance, including your lifestyle. 

Dangerous Habits

Several habits can impact your health, life, and insurance premiums. Aggressive driving often leads to a poor driving record. Abusing illegal substances or picking up smoking cigarettes can also impact insurance. Once you start smoking cigarettes, you must remain a non-smoker for an extended period before you can be re-classified as a non-smoker. Ask L M Insurance & Financial Services LLC agents how your habits impact your premiums. 

Your Health Matters

While some health conditions are beyond your control, it’s important to note that some can affect your life insurance. Unhealthy eating may lead to obesity, which can increase your premiums. The onset of various health conditions, including diabetes, heart disease, and cancer, may impact your insurance. Instead, opt for a healthy lifestyle in Bronx, NY. 

Dangerous Hobbies

Rock climbing, scuba diving, and sky diving can impact your life insurance. However, it does depend on the company you have. Some companies view these as high-risk hobbies and may increase premiums. Others decide this on a person-to-person basis. 

Contact L M Insurance & Financial Services LLC

We understand you want to enjoy the lowest premiums possible while ensuring enough coverage to protect your loved ones. L M Insurance & Financial Services LLC currently serves the Bronx, NY, area. Our experienced agents can help you learn more about factors that impact life insurance. Contact us for more information about coverage options today.