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The Intelligent Life Blog

Helping millions of Americans become educated
in making intelligent decisions around their life needs

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The Connection Between What You Eat and Your Heart Health

Feb 11, 2017 3:47:00 PM

Many of us fear being injured in a car accident or hearing a cancer diagnosis when the biggest danger is something else entirely. Heart disease, which includes stroke and other cardiovascular diseases, is the number one cause of death in the United States.life

Fortunately, some forms of heart disease can be delayed or even prevented with some simple dietary adjustments. Here is what you need to know about heart disease, how choosing a heart healthy diet can make a difference, and ways to ensure peace of mind for you and your loved ones.

Heart Disease and Risk Factors

Not only is heart disease the number one cause of death in the U.S., but it's also the leading global cause of death, taking more than 17.3 million lives each year. Cardiovascular disease includes various conditions that affect the function and structure of your heart such as coronary artery disease, heart attack, and vascular disease.

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5 Things You Need to Know About E-Cigarettes

Nov 6, 2016 9:19:00 PM

If you're a smoker who is looking to purchase a life insurance policy, you've probably learned that insurance companies are going to charge you higher premiums than if you were someone who didn't smoke. What if you are one of the millions of former smokers who has made the switch to vaping? While you may believe that you've made the right choice for your health, and your wallet, the distinction may not be as clear to a life insurance company. Here are five things that you need to know about e-cigarettes if you're planning to purchase a life insurance policy.

1.  E-Cigarettes Remain Unregulated When a life insurance company considers e-cigarettes, their risk classification has a lot to do with the lack of regulation of the devices. While there have been some new rules about who can purchase an e-cigarette, not much else has been determined to date. The FDA is still considering whether or not they are going to expand their tobacco authority over e-cigarettes, which would include additional funding for testing.

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Are You a Smoker? Why Kicking the Habit is Good News for Your Wallet

Feb 5, 2015 5:30:00 PM

Smoking kills.

This isn’t an exaggeration; smoking-related deaths and illnesses have claimed millions of smokers over the years. But smoking doesn’t just take its toll on your health; it takes a bite out of your wallet as well. If you smoke, and you’ve tried to quit (unsuccessfully) in the past, then you know how hard it is to remain smoke-free. So today we decided to give you a little push in the willpower department with four great reasons to kick your smoking habit to the curb once and for all.

1) Lower insurance rates: This is the most obvious benefit for quitting smoking. Who doesn’t want to reduce their life-insurance premium, right? And when you transition from a ‘healthy’ smoker to a healthy non-smoker, your monthly savings could be downright colossal! Did you know that a 20-year policy premium for a healthy non-smoking male, aged 45, on a $500,000 policy may only cost $53 per month? On the other hand, this same policy may run another man of the same age $214 per month if he’s a smoker. Over two decades, that adds up to an additional $38,640 drain on the smoker’s wallet!

2) No money spent on cigarettes: It goes without saying that quitting smoking means you’ll be saving money on the cost of cigarettes. According to the American Lung Association, the average retail cost for a pack of cigarettes is $5.51. If you smoke at least one pack per day, that’s over $2,011 a year spent on cigarettes. Now consider the 20-year policy premium from the last example. $2,000 (approx.) multiplied by 20 years is roughly around $40,000. Now if you add the cost of your premium and the cost of cigarettes over the same time period that totals to about $91,360, versus a non-smoker who would only pay $53/month for 20 years or a total of $12,720. That’s a savings of over $78,640 over two decades that you could put towards increasing your insurance coverage for you and your family.

3) Not just for everyday smokers: Our above examples mention cigarette smokers, but all smokers and users of tobacco are subject to higher rates, even if you are only an occasional user. But there are options. At IntelliQuote, we work with a highly recommended carrier that offers non-smoker rates to users of tobacco (not cigarettes) to encourage people to quit. If you’re an occasional cigar smoker, the good news is you don’t have to be nicotine-free for several years to get these rates; they only require you have refrained from smoking cigarettes. They may even allow you to use quitting aids like the patch and may permit for the occasional cigar during this period.

4) Put more money toward your family: Quitting cigarettes gives you an enormous savings that you can use to increase your insurance coverage. In addition to prolonging your physical life, now you can put more money towards long-term care, or set that money aside for your beneficiaries.

Cutting cigarettes out of your life is not just a way for you to live longer, but you can also make your family’s life easier when you ultimately pass on.

Make one of your first decisions in the new year to look into life insurance and receive up to six quotes free on our page today—of course, right after you firmly decide to stop smoking.

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Smoking and Life Insurance Rates: The True Cost of Coverage

Apr 1, 2014 9:14:00 AM

We have all heard the statistics of the dangers of smoking, from an increased risk of heart disease to the inherent risks of developing lung cancer. But what about the cost of smoking? While the health risks don’t always resonate, the rising cost of smoking just might be enough to make you kick the habit once and for all.

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