First, the good news: if you pick up a little weight in the winter, your life insurance will most likely not be greatly affected. Moreover, you will have to cut the fat, or your insurers will charge you.
The bad news is that as a nation, we are getting fatter. This is a huge problem for life insurance companies, as obesity leads to many other serious health problems.
What is the cost of suffering premiums?
“People who are obese are at higher risk for serious diseases such as heart disease, type 2 diabetes, osteoarthritis (a common joint disorder) and some types of cancer,” said Dr. Don Behan, senior researcher at the Georgia State University Center of Management risk and insurance. “When insurers evaluate a person, his life expectancy is often discussed in terms of life expectancy. Mortality depends on age, gender, health, habits such as smoking and drinking, and participation in dangerous activities. evaluated on the basis of these characteristics. ”
Obesity is determined by the amount of fat in the human body in relation to their muscles, bones and organ tissue. The amount of body weight is a simple mathematical calculation, determined by your height and weight, and compared to a standardized body mass index (BMI) chart. The Centers for Disease Control and Prevention lists an overweight adult with a BMI of 25 to 29.9. An obese adult would have a BMI of 30 or higher.
Hypothetically speaking, if a non-smoker male, 55 years old, wanted to get about $ 250,000 in life insurance and had bmi, he would pay an annual premium amount if a non-smoking man with the same amount of life pays annually in accordance with assistant vice-president dave redpath underwriting in Hartford, while the number of these facts remains more complicated, your wallet will fall not only for potential health problems down> Women at risk
Now for the worst news: if you are obese, you have an increased risk of developing cancer of the endometrium, breast and colon.
“Adult women seem to be more obese than men when it comes to certain types of cancer, because there is no connection between prostate cancer and obesity,” Behan said.
Although some experts believe that BMI is not the best way to measure if a person is obese: “A person may have an“ unhealthy BMI ”because they are very muscular, but the general population is an exception to the rule and BMI is a good standardized tool for assessing healthy weight, ”said Behan, who also said that life insurance companies will not use BMI as their only measurement, but will also take into account such things as family history and body fat percentage.
If you want to know your BMI, you can check out the National Calculator for Body Mass Index of the National Heart and Blood Institute.
To get inexpensive life insurance and avoid potentially damaging medical bills in the future, the answer is quite simple. A good diet, exercise and a healthy weight is the best way to go. In addition, if you join a wellness program at work or hire a personal trainer to lose weight, document your progress and inform your insurer. This will help your agent evaluate a fair assessment of your current state of health and may land you in categories with a lower rate. Keep in mind that people who are underweight may also charge higher insurance rates, Redpath said. The key to getting good stakes is getting healthy body weight.
While nothing compares to a well-made hamburger, you usually earn better money on the grill at home, rather than going to a restaurant to fix your hamburger. Like many delicious items found in the restaurant's menu, hidden calories in hamburgers with restaurants can eat you twice as much as usual in one sitting. So, before you sink your teeth into this juicy piece of meat, read this list of the 7 worst worst hamburgers in America and weigh your options.
* Note: Nutrition information was verified using each restaurant's meal cards.
# 1: Denny & # 39; s Smokin & # 39; Q Three Pack With a combined 2.020 calories, 110 grams of fat (22 grams saturated, 3 grams of trans-fats) and 3570 mg of sodium, this “small” snack adds up to three meals with more than daily demands of fat and sodium in each bite.
# 2: Cheesecake Factory Ranch House Burger This monster of roasted onions and bacon weighs in a staggering 1941 calories, 48 grams of saturated fat, and 2877 mg of sodium. Not as bad as No. 1 rival, but compared to the alternative to the Cheesecake Factory; The Burger plant, with its 737 calories, 15 grams of saturated fat and 1638 mg of sodium, looks a bit obscene.
# 3: Chile Jalapeno Smokehouse Bacon Burger Although higher than its predecessors, these 1,750 calories of hamburgers do not seem too bad, this compensates for the enormous content of 123 grams of fat (40 grams saturated) and salt of 5,250 mg of sodium, almost four times the recommended daily allowance of sodium.
# 4: Ruby Tuesday Triple Prime Havarti Burger This gourmet hamburger may look skinny (relatively) with its 1,465 calories, but it has 116 grams of fat, which is nothing, and 2.404 mg of sodium.
# 5: Red Robin A.1. Peppercorn burger Like the burger in Ruby Tuesday, Red Robin has a paltry 1,433 calories and 97 grams of fat. The trick of this burger is its 5.618 mg of sodium, which makes it the most loaded hamburger in the hamburger on this list!
# 6: Appleby Cusadilla Burger You guessed it, they replaced the roll with tortilla. With 1420 calories, 104 grams of fat (43 grams saturated, 3 grams of trans) and 3.740 mg of sodium, this thing is a huge plate of fatty catastrophe. Not to mention the fact that ... purist hamburgers cannot classify him as a hamburger if it's not on a bun.
# 7: Wendy's Triple Bacon Considering that the “small” fast food burger is 1350 calories, 90 g fat (40 g saturated, 3.5 g trans) and 2780 mg of sodium is a huge shock. Especially considering that Wendy has a healthier alternative in Wendy's double-stack with 3 strips of bacon with 400 calories, 21 grams of fat (9 grams of saturated, 1 grams of trans) and 990 mg of sodium that will not plan for coronary bypass surgery after eating This.
