As an accountant, you probably spend the majority of your time sitting in an office. More than likely, you spend around 7 hours sitting at your desk. While you may enjoy it, it could be slowly destroying your body (it sounds dramatic, but it’s true).
If you’re looking to get life insurance coverage, there are several changes that you can make during your work day that can help save you thousands of dollars on your life insurance plan. When you apply for insurance, there are dozens of different factors that the insurance company is going to review when deciding if they are going to accept your application and how much they are going to charge you every month for your plan.
One of the biggest factors that the insurance company will look at is your overall health, and they are going to require that you take a medical exam before they accept your application for coverage. The better results that you get from the medical exam, the lower your insurance premiums are going to be. Better health = more money in your pockets, it’s as simple as that.
Take A Stand
Sitting for an extended period every day can drastically raise your risk of being diagnosed with health complications like diabetes and cardiovascular complications. In fact, researchers say that sitting that long every day is just as bad as smoking cigarettes. Luckily, there is an easy change that you can make that will improve your overall health, and maybe even your mood.
One of the easiest ways to fix this is to stand while you work. If you spend the majority of time on your computer (and you probably do) get a standing desk or put your computer screen on a box or two. This way you can stand while you work. This simple trick can help you lose weight and lower your blood pressure. It also drastically reduces your chances of having a heart attack or being diagnosed with diabetes. For added comfort, buy a cushy mat for you to stand on while you work, that will take some of the pressure off your knees and feet.
Go For A Walk
On a similar note, it’s time that you started going for walks on your break. Getting a little bit of physical activity is a great way to offset all the sitting (or standing) that you do all day. You don’t have to go for a three-mile jog on your lunch break, but taking a quick walk around the office or the block whenever you can is a great way to improve your health while you’ve got your nose to the grindstone.
Stash Away Health Snacks
While you’re working away, it’s easy to skip a meal or chow down on junk food to get you through the day, but all that food is not only bad for your health, but it’s also bad for your wallet. Instead of having a bag of chips, or heating up that frozen meal, keep some healthier options in your desk that you can go to when you start getting hungry.
One of the best snacks that you can keep is some vegetables or a can of peanuts. Both of these are much better options to curb your hunger without adding tons of sugar or calories. Additionally, instead of going out to eat for lunch or eating a frozen meal, pack your lunch the night before with a healthy meal.
Working With An Independent Insurance Broker
The best way that you can save thousands of dollars on your life insurance plan is to work with an independent insurance agent. Unlike a traditional insurance agent, our independent brokers work with dozens of highly rated insurance companies across the nation. We can bring some of the best insurance plans directly to you, without the hassle of calling all of those companies yourself. Working with one of our experienced agents can save you both time and money on your life insurance search.
Every insurance company is different, and all of them are going to view your application differently, which means that you will get drastically different rates depending on which company that you get the quote from. Finding the perfect company is the difference in getting affordable protection or getting a plan that is going to break your bank every month. Let one of our agents connect you with one of the lowest priced insurance plans on the market.
Aside from making those changes that we listed above, independent agents are one of the best ways to give you affordable life insurance. They will present your application to the insurance company and find a company that has lenient underwriting for your specific situation. Even if you have a pre-existing condition like diabetes, there are several options for cheap insurance that you can choose from.
We know that nobody wants to think about his or her death, but not planning for the inevitable is one of the worst mistakes that you can make. If you were to pass away without life insurance protection, your family would be responsible for a massive amount of debt and other final expenses.
Because you never know what’s going to happen tomorrow, you shouldn’t wait any longer to get the insurance protection that your family deserves. If you have any questions about getting life insurance for accountants or you want to get cheap insurance, please contact one of our agents today. We can answer those questions and get the process started.