February 14th is Valentine’s Day. Hurrah for love!
Rather than worrying about how you are going to get out of the house after the mountain of cards arrive, why don’t you ask yourself a question?
When was the last time you did something to love yourself?
That could mean getting up a little earlier to fit in some exercise, eating healthier, drinking more water, doing some peaceful meditation or going to get a general health check-up.
Most of the time you only get your blood pressure, cholesterol, blood sugar or BMI (height to weight ratio) checked if you have gone to the doctors for something specific…. Maybe you’ve never had need to go at all, so don’t know how your health stands. But did you know there are other options available for you to get a general health check-up? This could be at your local GP surgery, a pharmacy or your local gym might even have the option. It doesn’t have to cost the earth either.
If you do this regularly you can find out if there are any signs to show that these readings are heading in the wrong direction and put some actions into place to correct it, before it gets out of control. Once these levels get to the point where you need medical intervention, they often carry a number of other health risks, which is why it is so important to keep a check on them. We’re all so busy with work and family that we often put our own health to the bottom of the priority list!
Insurance companies now look at ways to encourage their policy holders to be healthier and some will even reward you with up front discounts on your premiums. With discounts on other products and services, if you are doing what you can to be active and engage in your health you’ll be rewarded.
What if I already have high blood pressure/ high cholesterol/ high BMI/ high blood sugar levels?
Don’t worry. This doesn’t necessary mean that you can’t get insurance. The insurance companies look at each application on an individual basis and if they can see that you have this under control they will often still look to offer you insurance. There might be some terms attached to the cover, but by getting independent advice you can make sure that you are going to the insurance company that will offer you the best terms of cover for your own circumstances. But remember to answer the medical questions honestly on your insurance application to make sure that you are fully covered if you ever need to make a claim. Talk to your adviser if you have concerns and they can give you the best advice.
So, remember this Valentine’s Day to show yourself some love!