Staying healthy doesn’t just feel good—it can save you money on insurance. At Rick Plata Insurance Agency & Retirement Income Services, we believe small, consistent habits can boost both your wellbeing and your wallet. Here are practical ways to improve your health while potentially lowering your premiums.
1. Maintain a Healthy Weight & Exercise Regularly
Regular activity lowers the risk of heart disease, diabetes, and other chronic conditions. Insurers often reward active lifestyles with lower premiums.
A balanced diet rich in fruits, vegetables, and lean protein supports long-term health and helps maintain a healthy BMI—an important insurance factor.
Cardio activities like walking, running, or cycling strengthen your heart and lungs, reducing key risk factors insurers monitor.
2. Quit Smoking & Limit Alcohol
Quitting smoking greatly improves health and can lead to significantly lower life and health insurance rates.
Moderating alcohol use reduces risks of liver disease and certain cancers, positively affecting premiums.
These changes show insurers you’re managing your health risks responsibly—often translating to savings.
3. Keep Up with Preventive Screenings
Regular check-ups catch illnesses early, helping prevent costly treatments and claims.
Maintaining organized medical records demonstrates proactive health management that insurers value.
4. Manage Stress & Prioritize Mental Health
Chronic stress can raise blood pressure and harm overall health. Mindfulness, therapy, and relaxation help improve outcomes.
Practices like yoga, meditation, or deep breathing support mental wellness and signal good risk management.
Strong mental health lowers medical costs and can improve life insurance assessments.
5. Track & Improve Health Metrics
Keeping blood pressure, cholesterol, and glucose in healthy ranges reduces risks and can lower premiums.
Maintaining a healthy BMI remains a key factor in both life and health coverage pricing.
Tracking your numbers over time shows consistent, responsible health habits that insurers reward.
Sample Insurance Premium Savings
| Health / Lifestyle Improvement | Potential Premium Reduction |
|---|---|
| Regular exercise & healthy BMI | 5–12% |
| Non-smoker status | 20–40% |
| Preventive screenings | 3–7% |
| Stress management | 2–5% |
| Healthy diet & stable blood metrics | 4–10% |
By taking these steps, you’ll not only improve your health but also show insurers that you’re managing risk proactively. Consistent habits like staying active, eating well, and keeping up with screenings can lead to meaningful savings on your policies. Call Rick Plata Insurance Agency & Retirement Income Services at 909-543-1818 to explore personalized ways to protect your health—and your budget.