Losing weight and having regular doctor appointments might help you lower your insurance costs. Often, this applies to health insurance. However, it can also apply to certain life insurance benefits. 
Employers offering life insurance may be able to tap into these savings opportunities offered by wellness programs. Some insurers have stand-alone programs that apply to all their clients. How can you qualify?
What Is a Wellness Program?
A wellness program provides individuals with information and support to encourage them to improve areas of concern with their health. For example, they may include blood screenings to look for concerns with cholesterol. They may include weight and heart rate checks. The primary goal is to find out how healthy a person is. The end goal is to help those individuals to remain healthy.
For this reason, most wellness programs incorporate tools to help people get better. Some people may work with the wellness program to lose weight, for example. Others may aim to eat healthy to lower blood pressure numbers. Exercise is sometimes a component to these programs as well. For smokers, stopping through supported programs can help.
How Does This Lower Rates?
Let’s say an insurance company offers a life insurance policy to individuals. They want individuals to maintain healthy lifestyles for as long as possible.
They might encourage individuals to take steps towards improving their health. They could recommend the employees do so through wellness programs. As a result, healthier people might qualify for lower insurance rates. After all, the healthier a client is, the lower their risk of death is, and the lower the chance of the life insurer having to pay out in the near future.
Being healthy should be your goal. However, it helps to know you can get more affordable life insurance when you have a program like this in place. You will need to use the program to attempt to get lower rates. The more you know about the way the program works, the more likely you are to see the benefits they offer.
If you are considering a life insurance policy, talk to your agent about the availability of these programs. You may also be able to find them through an employer. Once you learn about them, involve yourself. Work on maintaining and improving your health. As you do, you will see you feel better, and your insurance premiums might very well drop.