Widening Waists and Pricey Premiums

I was going to call this entry "Sugar Pie and Insurance". That's because this entry is going to talk about my favourite dessert -- sugar pie with heavy cream -- and my Aunt Lucille.

My French Canadian aunt was an exuberant, extraordinary character. She spoke with flair, dressed with flair and cooked with flair. Predictably, she also ate with flair. She made the best pie crust I've ever tasted. Her pies just melted in your mouth.

She also made a French Canadian treat called Sugar Pie.

Think pecan pie, but without the pecans. It's basically a butter tart the size of a pie, but with a few key ingredients and subtle changes that made it even better. I've discovered that it's best served with heavy cream, but only if you aren't planning on eating for the next week. It's a very rich dessert. Unfortunately, no one in my family ever considered giving up eating for a week.

Widening waists are a real indicator of a potential heart attack risk according to an article on WebMD, and actually predict your risk better than your Body Mass Index (BMI) or other measures of overweight. For women, strive to keep your waist under 33 inches; for men, keep your waist below 35 inches. I don't know for sure what my beloved Aunt Lucille's waist size was, but I know she was at least 50 pounds overweight. She died younger than she had to about 5 years ago with a heart attack.

And it's exactly stories like this that drive up life insurance premiums for you if you are overweight. It's why getting life insurance when you are overweight is a challenge.

You've heard all the advice; I won't repeat it. However, much research indicates that you need to handle both the emotional aspects of eating as well as any dietary changes if you want the weight loss to stick. That's certainly been my experience. I'm currently following a "health plan" that has already resulted in a loss of about 15 pounds, but I assure you that it wouldn't be working so nicely if I wasn't dealing with the emotional reasons why I want to eat when stressed or upset, or why I find those extra pounds "safe". 

Back to the benefits of losing weight: there's more good news if you can lose your extra pounds. You'll get a break on your life insurance as your waist size decreases. You won't necessarily get it immediately -- insurance companies hate change. But if you can take off that spare roll in a healthy way and keep it off, your insurer will thank you with a lower premium.

It won't work as well if you have whole life insurance. Your premium has been set based on whenever you purchased it. But if you have term life and it's coming up for renewal and you've dropped some needed weight, you'll get a better renewal rate than you otherwise would have.

Thinking about life insurance now? Maybe it's time to check out what another insurer might offer. If so, visit a few of this site's sponsors -- they'll be happy to help you.

Monique L. Attinger
 

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