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Are you too fat for life?

By Susheela Bhat, Life Quotes, Inc.

First the good news: If you're a little weight on I picked up the winter, chances are your life insurance is not taken too seriously affected. Even more than that, then you have to cut the fat, or your insurer, it will be free.

The bad news is, as a nation, we are getting fatter. This is a huge Problem for life insurers, because obesity leads to a variety of other serious health problems.

What is the cost of obesity in insurance premiums?

"People who are overweight, a higher risk for serious conditions like heart disease, type 2 diabetes, arthritis (a common joint disease) and certain types of cancer, "Dr. Don Behan, Senior Research Associate at Georgia State University Center for Risk Management and Insurance Research said." As an insurer the assessment of a person, his length of life is often discussed in terms of life expectancy. Mortality depends on age, gender, health, habits such as smoking and alcohol consumption and participation in dangerous activities. The mortality rate can be estimated on the basis of these characteristics. "

Obesity is determined by the amount of body fat a person has, in proportion to their muscle, bone and organ tissue. The sum of body mass is a simple mathematical calculation on your height and weight measured, and compared to a standard body mass index (BMI) chart. The Centers for Disease Control and Prevention list an overweight Adults with a BMI between 25 and 29.9. An obese adults had a BMI of 30 or higher.

Hypothetically speaking, if a male Non smoking, wanted age of 55 to get about $ 250,000 from life insurance and had a BMI of 38, he would pay an estimated annual premium of $ 4,256. If a 55-year-old male Non smoking with a BMI under 30 wanted the same amount of life insurance, he would pay $ 3,767 a year, according to Dave Redpath, Assistant Vice President of Underwriting at Hartford Life. While these figures are estimated, the fact remains, the higher the BMI, the more difficult your wallet Get hit, not only for life insurance, but pay for potential health problems down the line.

Women at increased risk

Now the worse news: If you are an obese women have a higher risk of endometrial, breast and colon cancer.

"Adults Women appear to be more affected by obesity than men when it comes to certain cancers, because it has not been a link between obesity and prostate cancer "Said Behan.

Although some experts believe BMI is not the best way to measure whether a person is overweight, "It is for one person possible an "unhealthy BMI have" because they are very muscular, but is in a general population, an exception to the rule and BMI a good tool is standardized to healthy weight of the package, "said Behan, who also said not life insurers would use BMI as the only measurement, but would also take into account to take things like family and body fat percentage.

If you want to know your BMI, you can see the National Heart Lung and Blood Institute's free Body Mass Index Calculator.

To receive cost life insurance and avoid potentially devastating medical bills in the future, the answer is quite simple. A healthy diet, exercise and healthy weight are the best way to go. Also, if you join a wellness program at work or hire a personal trainer, to lose weight, document your progress and tell your insurer. This will help to assess your agent a fair assessment of the current state of health, and you could end up in a lower category. Remember that people who are underweight may also have higher rates for insurance billed Redpath said. The key to good prices is to maintain a healthy body weight.

While nothing beats a well-made hamburgers, you're usually better off cooking at home as the location to get your burger fix a restaurant. How many delicious items found on a menu, can eat hidden calories in the Burger restaurant, you have twice as much as you would normally in a meeting. So, before you sink your teeth into the juicy piece of meat Read this list of the top 7 worst burgers in America and weigh your options.

* Note: The nutrition information was checked with the nutrition of the individual Charts restaurant.

# 1: Denny's Smokin 'Q Three Pack With combined 2020 calories, fat, 110 G (22 g saturated, 3 g transfats) and 3570 mg sodium, this "little" snack stacks up to the equivalent of three meals, with more than the daily requirement of fat and sodium in each bite.

# 2: Cheesecake Factory Ranch House This monster of fried onions and bacon burger weighs a staggering 1941 calories, 48 g saturated fat, and 2877 mg sodium. Not as bad as the # 1 Contender, but if the Cheesecake Factory's Alternative comparison; The Burger Factory, with its 737 calories, 15 g saturated fat and 1638 mg sodium, it looks a little obscene.

# 3: Jalapeno Smokehouse Bacon Burger Chili's, although in calories Compared to its predecessors mentioned, this does not seem Burger 1750 Schade, it makes for it with a whopping 123 grams of fat (40 g saturated), and a salt mine to 5250 mg sodium, almost four times your recommended daily intake of sodium.

# 4: Ruby Tuesday Triple Prime Burger Havarti These "Gourmet" Burger may look lean (relatively) got his 1465 calories, but it is 116 g fat, which are anything but, and 2404 mg sodium.

# 5: Red Robin A.1. Peppercorn Burger Like Ruby Tuesday Burger, Red Robin's has a measly 1433 calories and 97 grams of fat. The catch in this burger is the 5618 mg sodium, making it the Sodium-laden burger in this list!

# 6: Applebee's Quesadilla Burger you guessed it, they replaced the bun with a tortilla. 1420 calories 104 g fat (43 g saturated, 3 g trans) and 3740 mg sodium, is this thing a huge plate of greasy disaster. Not to mention ... burger purists might not classify it as a burger, if not on a roll.

# 7: Wendy's Triple Baconator you consider how "little" one fast-food burgers is, this is 1350 calories, 90 g fat (40 g saturated, 3.5 g trans) and 2780 mg sodium level is a huge shock. Especially since Wendy's has a healthier alternative the Wendy's Double Stack with three strips of bacon at 400 calories, 21 g fat (9 g saturated, 1 g of trans) and 990 mg of sodium, which does not have, you will for coronary bypass surgery after the meal is planned.

This article was originally posted on Life Quotes, Inc. Announces

About the Author

Life Quotes provides access to comparative quotes for auto, life, health and business insurance quotes so that busy consumers and business owners can save time and money. Life Quotes is dedicated to providing impartial insurance information.

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