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Being fat and smoking is not a healthy sign for the health of both the person and pocket. Insurance companies have started to collect the additional premium to provide insurance for smokers and people who are obese. The logic behind this is that these people are more prone to certain diseases like cancer, diabetes and stroke heart. The treatment of these diseases is basically expensive compared to other treatment. Although medications are very expensive and not readily available. So to cover the additional costs associated with these diseases, insurance companies charge premiums to those people. Since cancer is caused by the used nicotine in cigarettes and fat people are more prone to diabetes and heart disease.

Insurance companies do a medical test of the person who wants to buy a health or life insurance and if found guilty of smokers and obese, then you have to pay more for their insurance needs. The people of Indeed, they have started to quit and are trying to stay in shape by exercising. Well, it benefits them in both directions, regular exercise helps keep you fit and well is helping to reduce the cost of life insurance. In fact, you can keep track of your weight control and if it finds a significant loss in weight, can be in demand in a reduction in your monthly insurance. They have a weight chart where they have a database of what is the correct weight of a person. This data is performed taking into account a person's age, height and sex.

Although some pro-smoking groups have tried to argue with insurance companies with the help of some data indicating that, smokers and nonsmokers are more likely to die than nonsmokers of the same age. But insurance companies have not accepted this argument and load up to 56 percent more in insurance premiums. Similarly people who are overweight, was not spared either, but are penalized for being overweight. Companies insurance have some data that is called BMI. They have taken into account all factors such as age, height and sex. And if you are found to be more then the recommended weight then you are required to pay up to 50 percent, in some cases might even be higher by about 400 percent in the event that a person is too fat.

So if you're planning on buying a life insurance policy, then it is always advisable to check your weight and if you are overweight, then you should lose some weight and then apply for life insurance. This way you can save good money. Although the same does not apply to smokers, that's because for a smoker, you have to demonstrate to the company that has taken some kind of nicotine in the past 12 months. In many cases, some companies also extend this period of five years.

About the Author:

Donald is a professional in the field. If you are looking for
life insurance in Canada
or need
affordable Insurance
Please go to:
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Article Source: ArticlesBase.com – Life Insurance Canada | It Pays To Be Fit When Buying A Life Insurance