As the recession leaves more Brits cutting back on life insurance, a number of insurers have been offering Brits various deals as a bid to attract potential customers.
Some of the deals, such as fitness offers, encourage people to live a healthier lifestyle.
Earlier this year, life insurer, Prudential had announced that it will reduce its life insurance premiums for those customers who made "the effort to stay healthy."
Chief executive officer, Shaun Matisonn of PruHealth said: "In uncertain economic times like these, that extra financial incentive to get fit has never been more important and PruHealth's philosophy is to reward our members for making the effort to stay healthy.
Tesco Life Insurance had also recently offered its new customers a free £50 gift card as a bid to attract more customers, while Asda Life Insurance had been offering its customers Nicotine replacement patches and gum at discounted prices as a bid to encourage smokers to quit.
Those who take care of themselves by taking steps such as maintaining a healthy weight, not smoking or eating a healthy diet, can not only save more on their life insurance premiums, but they can also extend their life expectancy.
Steps to increase your life expectancy
According to research conducted by Norwich Union, those who take a few simple steps such as eating healthy and exercising regularly, will be able to ensure their life insurance premiums are reduced.
The survey also found that such steps can also increase their life expectancy by around 77 years.
Some of the steps included:
-Eating a healthy diet, this can increase your life expectancy by up to 6.6 years,
-Eating less meat, this can increase you life expectancy by up to 3.6 years,
-Maintaining a healthy weight, this can add up to 6 years,
-Laughing for 15 minutes a day, this can make people live up to 8 years longer,
-Flossing regularly, which can add up to 6 years,
-Not smoking, which can add up to 10 years.
The firm also found that living with a partner can also increase your life expectancy by up to one year and being a woman, 3.3 years.
Darren Dicks, head of annuities at Norwich Union, said: "While we aren't really suggesting that someone adopting all of these practices will automatically add more than 70 years to their life, our research shows that broadly speaking these activities will have an effect on life expectancy."
The cost of smoking on your insurance
Not only does smoking decrease your life expectancy, research has found that smokers pay 50 per cent more on their life insurance policies than non-smokers.
Research by Asda found that those who have quit smoking can see their life insurance premiums fall providing they have not smoked for a year.
Emma Walker, head of protection at the website said: "In today's climate where every penny counts, it's clear to see there are both financial and medical benefits to stubbing out cigarettes for good.
It's crucial smokers seriously consider both the medical and financial benefits of quitting, instead of letting their hard-earned cash go up in smoke. With considerable savings to be made, smokers will hopefully find the will power to permanently kick the habit, benefiting their health and their wallets."
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