Taking good care of your health in this day and age has never been more important.
We all know the fundamentals of a healthy lifestyle; to eat sensibly and move more, however having a healthy lifestyle is no reason to skip taking out an all-important life insurance policy to cover the unexpected. If you do already have a life insurance policy in place, it might also be worth checking that your existing policy is still right for you.
It may be no surprise to you that living a healthy lifestyle can bring down the cost of life insurance, but did you know that some life insurance providers actually incentivise cheaper premiums if you take steps to improve (and maintain) your health for the duration of the policy?
You could even receive a payout whilst you’re still alive
Some life insurance policies with critical cover offer a host of ‘living benefits’. These are circumstances where you may be entitled to receive a full or partial payout whilst you’re still alive.
The exact details of these benefits depend on the terms and conditions of your policy, with some providers allowing policyholders to cash out their policy if they receive a terminal diagnosis with less than a year to live.
No one wants to receive news like that, however, should the unfortunate happen, receiving a large sum of money could be useful. That money could be put towards putting your affairs in order, paying your medical bills and making the most of the time you have left.
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