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Posts Tagged ‘Rate’

When Your BMI Increases, so Does Your Life Insurance Rate

Life insurance is the ideal way to provide for your family when you are no longer around to provide for them. It is a great way to show them that you really care. However, too often we end up paying higher premiums on our life insurance, forcing us to compromise on the death benefit. One of the most common reasons behind higher premiums is higher Body Mass Indices or BMI’s. Let’s learn more.

Why a high BMI will increase your life insurance rate
BMI is a body fat ratio that is derived out of your height and weight numbers. According to The Centers for Disease Control and Prevention a BMI of 30 or more is considered obese, and a BMI between 25 and 30 is considered overweight.

Let’s understand the impact of a high BMI:

  • During a recent study, researchers found that men and women with BMI’s between 22.5 and 25 have the longest life spans.
  • High BMIs are associated with serious health risks such as cancer and heart disease and can seriously shorten your life span.
  • A BMI between 30 and 35 can reduce your lifespan by 2-4 years, and BMIs between 40 and 45, can reduce life spans by up to 10 years.

Life insurance companies make the most revenue out of people with longer life spans. They value healthy customers who are able to pay premiums well into their retirement years, than those who die from illnesses in their younger years.

A low BMI will therefore increase your life span, but a high BMI will cost you higher premiums. Those who have higher BMI’s should therefore work on bringing it down.

How to get your BMI down and qualify for a better life insurance rate
If you have a high BMI and want to qualify for better premiums, the only way out is to bring down your BMI. However, there is no quick-fix method of doing this. Further, life insurance purchases should never be put off. So as a first step, go ahead and buy a policy at a high rate. Term life policies are cheaper than whole life policies and just as effective. If you are serious about bringing your BMI down, get yourself a term life policy that will cover you for about 5 –10 years, which is a more than enough time period to bring your BMI down.

Once your life insurance policy is in place, you need to get serious about bringing your BMI down. Simple health, lifestyle and diet changes will make a huge difference. Remember to be consistent and most importantly, keep a record of your progress, along with supporting medical records and notes from your physician. They will all come in handy when you reapply for life insurance later. They will serve as proof, and assure the underwriters that you are serious about your health and are doing all you possibly can to improve it.

Wait for a span of 2 – 3 years, and if you are able to show consistent results, reapply for a policy.

Enjoy a better, longer life with a lower BMI
The associations between mortality and BMI & morbidity (ill health) and BMI are real and cannot be ignored. One needs to be more careful especially one you are in the market for life insurance. The Life insurance companies consider those who are able to keep their BMIs low for longer periods as their best customers. So remember to maintain your healthy lifestyle throughout your term. A lower BMI will not just guarantee you a lower premium; it will also keep you healthy and give you a better quality of life. Your family will stand to gain the most by having you around for much longer!

About Author

About AccuQuote:
AccuQuote is a leader in providing term life insurance quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term insurance as easy as possible for its customers.

Smart Health Digital Pedometer Heart Rate Watch, Small

  • Digital pedometer/heart rate watch designed for petite wrists
  • S-Pulse heart rate technology delivers precise EKG HR readings
  • Built-in digital accelerometer counts steps, distance, and speed
  • Integrated calorie burn calculator; 1-touch heart rate sensing
  • Water-resistant to 132 feet; 1-year warranty

Product Description
This Digital Pedometer Heart Rate Watch, sized for a more petite user, combines sleek styling and easy-to-use functions to deliver a powerful fitness and activity management tool for improving health and wellness. The patented S-Pulse Heart Rate Technology provides precise EKG accurate heart rate readings through Auto Touch (single touch) Heart Rate sensing. The Pedometer function, powered by a built-in Digital Accelerometer chip, can be activated during walks to … More >>

Smart Health Digital Pedometer Heart Rate Watch, Small

Heart Rate Variability – Powerful Tool For Fitness Assessment

The ability of the human organism to withstand physical strain is one of the most important characteristics of health. We can easily distinguish a person who is able to run 10 miles from an individual that can’t even walk 100 yards without a break. The difference between them is in their physical fitness. But what is “physical fitness”? According to physiology it is first of all the ability of the cardio vascular system to provide the function of the organism in the state of heightened strain. Therefore, in assessing the state of the cardio vascular system we are also assessing the state of physical fitness. In recent times, for this purpose, the method of analyzing heart rate variability during the orthostatic challenge test became widely used.

Heart Rate Variability It is well‐known that orthostatic challenge test is one of the most informative methods used to detect subtle changes in cardiovascular function and specifically its regulatory mechanisms. When body’s position is changed from supine or sitting to standing, specific changes in heart rate and blood pressure happen as a compensatory reaction of the body. This standup maneuver as well as keeping a standing posture within several minutes does not cause any significant physical exertion to a healthy individual. However if body’s regulatory mechanisms do not have adequate functional capacity or there is subtle cardiovascular deficiency then this maneuver becomes a significant stressor to the body.

With the help of heart rate variability analysis it is possible to asses these regulatory mechanism. During the standup maneuver in the first 10-15 seconds after standing up the frequency of heart beats increases from the fall in blood pressure due to gravitational redistribution of the blood mass. Then the cardiovascular system attempts to compensate an orthostatic effect of standing up by constricting peripheral blood vessels. As a result blood pressure returns to its normal level and heart rate drops. Multiple research studies have shown that reaction of the cardiovascular system on changing body posture and speed of its compensation depends on fitness level. The most indicative parameter of this Heart Rate Variability test is a pattern of heart rate changes caused by a standup maneuver. The weaker and slower this reaction is the less an organism is fit and susceptible to physical exertions, which means lower level of fitness.

Modern techniques of HRV (Heart Rate Variability) analysis allow us to determine an almost exact cardiovascular function condition during the orthostatic challenge test. For example, the Heart Rhythm Scanner program, developed by Biocom Technologies, includes Cardiovascular Health Test. It makes an assessment of the cardiovascular function condition based on two variables:

  • Cardiovascular Tolerance – indicates dynamic regulatory reserve of the cardiovascular system responsible for a quick reaction to rapid changes in the body’s condition.
  • Cardiovascular Adaptation – indicates the ability of the cardiovascular system to adapt to physiological changes in the body and establish a new stable regulatory state.

The higher the variables of these results the better the ability of the organism to withstand physical strain and as a result a higher level of fitness.

Heart Rate Variability is a powerful, very accurate, reliable, reproducible, yet simple method of fitness assessment. Regardless of the vast amount of research in this field, its use by fitness specialists has not yet spread to reach full potential. However, the use of this method will give an individual the ability to customize his physical strain according to cardiovascular function. This will help to avoid overstrain of the organism during workout. The Heart Rhythm Scanner can make any workout more effective.

About Author
This is DM Header as a story writer about Heart rate variability, Health assessment. This will be very helpful for other, who wants to know http://www.biocomtech.com , Health assessment, Heart rate variability

Heart Rate Variability – Powerful Tool For Fitness Assessment

The ability of the human organism to withstand physical strain is one of the most important characteristics of health. We can easily distinguish a person who is able to run 10 miles from an individual that can’t even walk 100 yards without a break. The difference between them is in their physical fitness. But what is “physical fitness”? According to physiology it is first of all the ability of the cardio vascular system to provide the function of the organism in the state of heightened strain. Therefore, in assessing the state of the cardio vascular system we are also assessing the state of physical fitness. In recent times, for this purpose, the method of analyzing heart rate variability during the orthostatic challenge test became widely used.

Heart Rate Variability It is well‐known that orthostatic challenge test is one of the most informative methods used to detect subtle changes in cardiovascular function and specifically its regulatory mechanisms. When body’s position is changed from supine or sitting to standing, specific changes in heart rate and blood pressure happen as a compensatory reaction of the body. This standup maneuver as well as keeping a standing posture within several minutes does not cause any significant physical exertion to a healthy individual. However if body’s regulatory mechanisms do not have adequate functional capacity or there is subtle cardiovascular deficiency then this maneuver becomes a significant stressor to the body.

With the help of heart rate variability analysis it is possible to asses these regulatory mechanism. During the standup maneuver in the first 10-15 seconds after standing up the frequency of heart beats increases from the fall in blood pressure due to gravitational redistribution of the blood mass. Then the cardiovascular system attempts to compensate an orthostatic effect of standing up by constricting peripheral blood vessels. As a result blood pressure returns to its normal level and heart rate drops. Multiple research studies have shown that reaction of the cardiovascular system on changing body posture and speed of its compensation depends on fitness level. The most indicative parameter of this Heart Rate Variability test is a pattern of heart rate changes caused by a standup maneuver. The weaker and slower this reaction is the less an organism is fit and susceptible to physical exertions, which means lower level of fitness.

Modern techniques of HRV (Heart Rate Variability) analysis allow us to determine an almost exact cardiovascular function condition during the orthostatic challenge test. For example, the Heart Rhythm Scanner program, developed by Biocom Technologies, includes Cardiovascular Health Test. It makes an assessment of the cardiovascular function condition based on two variables:

  • Cardiovascular Tolerance – indicates dynamic regulatory reserve of the cardiovascular system responsible for a quick reaction to rapid changes in the body’s condition.
  • Cardiovascular Adaptation – indicates the ability of the cardiovascular system to adapt to physiological changes in the body and establish a new stable regulatory state.

The higher the variables of these results the better the ability of the organism to withstand physical strain and as a result a higher level of fitness.

Heart Rate Variability is a powerful, very accurate, reliable, reproducible, yet simple method of fitness assessment. Regardless of the vast amount of research in this field, its use by fitness specialists has not yet spread to reach full potential. However, the use of this method will give an individual the ability to customize his physical strain according to cardiovascular function. This will help to avoid overstrain of the organism during workout. The Heart Rhythm Scanner can make any workout more effective.

About Author
This is DM Header as a story writer about Heart rate variability, Health assessment. This will be very helpful for other, who wants to know http://www.biocomtech.com , Health assessment, Heart rate variability

Why Are Insurers Asking For Rate Hikes?

Welcome to 2010. Look around the states. Yes, they all have different perils for drivers to face. For some, it’s the weather with snow and ice making driving dangerous during winter. In others, it’s hurricanes and tornados. But leaving aside all the different types of peril, there’s one big problem for everyone with a vehicle on the road. All the major insurers are pressing for rate hikes. State Farm, Allstate and Geico have been leading the charge. And we are not just talking hikes of one or two percent. In Florida, for example, State Farm is raising rates by an average of 9.2%, while Allstate went for a shock-and-awe average of 16%. Even though the recession is slowly easing, the US is facing the highest levels of unemployment seen for decades. Rate increases like these hurt everyone struggling to make ends meet. Is this just gouging by the insurers? Like the Wall Street bankers, are they only interested in their bonuses? Should we think of insurance companies as the new carpetbaggers, using political influence to their own crooked ends? Just why are the insurers making such egregious demands for more money when most of us are down and out?

Lining up the questions like this gives little chance of answers favorable to the insurers. Does that make us biased? Hell, yes! Increases like this when the economy is on the bottom will only lead to more people driving without insurance. As more drop out of the legal framework, the premiums rise for the rest of us. The costs stay the same. They are just divided among fewer insured drivers. Worse, we now have to add additional uninsured and underinsured coverage. It costs more for those who want to stay legal on the road. Are there any justifications for these increases? Well, if you ask a talking-head for the insurance industry, the blame gets spread around. We start off with the rise in the cost of medical treatment. It seems the healthcare services have all been hiking their charges to treat those injured in traffic accidents. Evidence? Well, following very public contract disputes in California and Connecticut, we now have the stand-off between United Healthcare and Continuum Health Partners in New York. The hospitals want increases. The insurer is asking for cuts of between 7 and 10%. In these circumstances, the insurers are actually standing up for their policy holders. If healthcare costs can be reduced or held stable, premiums can also be stabilized.

The really big problem, however, is whether the insurers can pay all the claims we make. The insurers have low capital reserves. Why are the reserves so low? Well, it’s back to the recession. When the insurers collect in the premiums, the money is invested until it’s needed to pay out the claims. Just as our 401k investments have taken a big hit, the insurers suddenly found their investments had lost value. Now, the state Insurance Departments are insisting the capital be replaced. In some states, the insurers have agreed to reduce the number of people they insure. In the rest, the premiums are to rise. This means, no matter where you live, it’s going to be harder to find cheap auto insurance. Harder does not mean impossible. Using the search engine on this site, you can still find cheap car insurance, but you may have to look more carefully at the discounts on offer and accept a higher deductible. This may not all be the fault of the insurers, but it sure feels like it.

About Author
For other highly informative insights on numerous topics from Todd Jones visit http://www.car-insurance-4u.com/articles/rates-are-rising.html. Todd Jones is a professional journalist with 15 years of experience delivering news to the public.

Timex T5J031 Unisex Digital Fitness Heart Rate Monitor Watch

  • Sports timing watch with heart rate monitoring; sized for both men and women
  • Chest strap heart rate monitor works with watch to provide target zones and time in zone
  • Recovery heart rate timer; displays calories burned
  • 100-hour chronograph; 27-lap memory; 100-hour countdown timer
  • Watch is water resistant to 50 meters (165 feet); up to 2-year battery life

Product Description
Zone Trainer Digital Heart Rate Monitor with a black resin strap and digital display, INDIGLO night-light, 100-hour chronograph, 27-lap memory, 100-hour countdown timer, Alarm with 5 min back up, Water resistant to 50 meters, Target zones, Zone trainer, Average heart rate, Time in zone, Calories burned, Recovery timer, Max heart rate, Digital transmission, Data Recorder compatibleAmazon.com Product Description
Combining stylish looks with power sport timin… More >>

Timex T5J031 Unisex Digital Fitness Heart Rate Monitor Watch

Florida Health Insurance Rate Hikes and Quotes

Florida Health Insurance Rate Hike

Florida Health insurance premiums have touched new heights! Every Floridian has the common knowledge that most annual health insurance contracts will endure a rate increase at the end of the year. This trend is not new and should be expected. Every time this issue pops up it seems as though the blame game starts. Floridians blame Health insurance companies; Health insurance companies blame Hospitals, Doctors and other medical care providers, Medical care providers blame inflation and politicians, well, we really don’t know what they do to help the issue… No one seems to be interested in finding the real cause of the health insurance premium rate increase. Most individuals, self employed, and small business owners have taken Florida Health Insurance Rate Hikes as the inevitable evil.

Hard Facts

What are various reports telling us? Why do Health insurance premium have annual rate increases?

Rate of inflation and heath insurance premium rate increase.

America’s health expenditure in the year 2004 has increased dramatically, it has increased more than three time the inflation rate. In this year the inflation rate was around 2.5% while the national health expenses were around 7.9%. The employer health insurance or group health insurance premium had increased approximately 7.8% in the year 2006, which is almost double the rate of inflation. In short, last year in 2006, the annual premiums of group health plan sponsored by an employer was around $4,250 for a single premium plan, while the average family premium was around $ 11,250 per year. This indicates that in the year 2006 the employer sponsored health insurance premium increased 7.7 percent. Taking the biggest hit were small businesses that had 0-24 employees. There health insurance premiums increased by nearly 10.4%

Employees are also not spared, in the year 2006 the employee also had to pay around $ 3,000 more in their contribution to employer’s sponsored health insurance plan in comparison to the previous year, 2005. Rate hikes have been in existence since the “Florida Health Insurance” plan started. In covering an entire family of four, a person will experience an increase in premium rate at every annual renewal. If they would have kept the record of their health insurance premium payments they will find that they are now paying around $ 1,100 more than they paid in the year 2000 for the same coverage and with the same company. The same item was found by the Health Research Educational Trust and the Kaiser Family Foundation in their survey report of the year 2000. They found out that the premiums of health insurance that is sponsored by the employer increases by around 4 times than the employee’s salary. This report also stated that since 2000 the contribution of employees in group health insurance sponsored by employer was increased by more than 143 percent.

One business man predicts that if nothing is done and the Health insurance premiums keep increasing that in the year 2008, the amount of health premium contribution to employer will surpass their profit. Professionals within and outside the field of Florida health insurance, think that the reason for increase in Florida health insurance premium rates are due to many factors, such as high administration expenditure, inflation, poor or bad management, increase in the cost of medical care, waste etc.

Florida health insurance rate hikes affect whom?

Rising rates of Florida health insurance generally affects most of the Floridians who live in our beautiful state. The highest affected individudals are the minimum wage and low wage workers. Recent drops in the renewal of health insurance are mostly from this low income group. They just can’t afford the high premiums of Florida health insurance. They are in the situation where they can not afford the medical care and they can not afford the medical insurance premiums that are assosiated with adequate coverage. Almost half of all Americans are of the opinion that they are more worried about the high health insurance rate and high cost of health care, over any other bill they have on a monthly basis. A survey also finds that around 42% of Americans can not afford the high cost of health care services. There is one very interesting study conducted by Harvard University researchers. They found out that 68% of people who filed bankruptcy covered themselves and their family by health insurance. Average out-of-pocket deductibles for people filed bankruptcy were around $ 12,000 per year. They also found some co-relation between medical expenditure and bankruptcy. A national survey also reports that main reason for people not to take health insurance is the high premium rate of health insurance.

How to reduce Florida’s high health insurance cost? Nobody knows for sure. There are different opinions and experts are not agreeing with each other. Health professionals believe that if we can raise the number of healthy people by improving the lifestyle and regular exercise, good diets etc. than naturally they will need less medical care services which decreases the demands of health care and hence the cost.( This year in Florida the smoking rate has increased by 21.7 percent) One Floridian sarcastically suggested that there are ‘highs’ and ‘lows’ in health care that are needed to reversed. That the state of Florida is to ‘high’ in cost of medical care compare to other States and ‘low’ in the quality of health care.

Florida Health insurance rate hike has attracted many frauds. These frauds float many bogus insurance companies and offer cheap health insurance rate which attract many people to them. These companies usually through assosiations that are based in other states.

Meanwhile reputable Florida health insurance companies provide different types of health insurance like employer sponsored group health insurance, small business health insurance, individual health insurance etc. to vast number of employees and their families. Still there are many people in Florida that lack any health coverage. Today the employer also has found it challenging to decide how to offer employer sponsored group health insurance to their employees, so that both of them arrive at some point of agreement.

For Floridians it is very important to shop around for a quality health insurance program that doesn’t break the bank.

You need to find an agent or web portal like Florida Health Insurance Web, www.FloridaHealthInsuranceWeb.com that offers a variety of products. There you will most likely be able to get quotes, compare plans, and apply online.

Florida Health Insurance Consultants can help you!

Morgan Q. Moran is a licensed insurance agent in the state of Florida and is the managing partner of The Moran Financial Group http://www.floridahealthinsuranceweb.com. His strong background in financial management includes: insurance, annuities, and asset management. He has proven methodologies to help his client with all aspects of financial risk management. Morgan holds a B.S. degree from the University of Vermont in Business Administration with concentrations in both marketing and finance.

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