Archive for July 10th, 2010

Fattest States in the U.S.

With two-thirds of Americans overweight and one-third obese, America’s weight epidemic isn’t confined to a single region of the country. But a new report shows that some states are significantly heavier than others.

 

Last month, a report detailing adult and childhood obesity rates was published by Trust for America’s Health, a non-profit health policy organization.

 

The report includes an interactive color-coded map of adult and childhood obesity rates for all 50 states and the District of Columbia.

 

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A quick glance at the map shows that the South is far and away the heaviest region in the U.S. Oklahoma, Arkansas, Louisiana, Mississippi, Alabama, Tennessee, Kentucky and West Virginia each have adult obesity rates of 30 percent or higher.

 

Mississippi ranks worst in the nation for both adult and childhood obesity. Of the state’s adult population, 33.8 percent are obese; for children, 21.9 percent.

 

Colorado has the lowest rate of adult obesity (19.1 percent) while Oregon’s childhood obesity rate (9.6 percent) is the lowest in the nation.

 

Obesity is linked to a number of serious conditions such as heart disease, hypertension, depression and certain forms of cancer. The severity of these conditions is compounded by the fact that overweight and obese persons may struggle to find affordable health insurance coverage.

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He’s in Perfect Health…Seriously?

When people call our office for life insurance quotes, we typically do a quick health assessment to guesstimate the health class of the prospective client.  Even though a quote is subject to change upon the completion of underwriting, we attempt to base the quote on a few underwriting guidelines – height/weight ratio, family history of heart disease or cancer, cholesterol, blood pressure and driving record, medications and any health history of note.  The more information we have, the closer our quote will be to the final premium issued by the insurance company at the completion of their underwriting process.

Most of the time, our prospective clients give us the information without hesitation.  Sometimes, it is a little rougher, such as this recent conversation I had with a gentleman looking for a quote for life insurance for his father.  I will call this person “John” to protect his identity.

Me:  How old is your father?

John:  He’s 52.

Me:  How is his health (I normally start with a general, non-intrusive question)?

John:  He’s in excellent health…strong as a bull.

Me:  Does he take any medications?

John:  Yes

Me:  What does he take?

John:  Let me go get the bag (rustling in the background).  Okay, he is on Insulin.

Me:  So, he has Diabetes Type 1?

John:  Yes he does.

Me:  What other medications is he taking?

John:  He is on pain-killers.

Me:  What is he taking pain-killers for?

John:  He’s still in pain from when he had both legs amputated last month.

Me:  As a result of his diabetes?

John:  Yes.

Me:  What’s his height and weight?

John:  Before the amputations, he was about 6′ 5″ but now he’s probably 6′ 0.”

All this from someone who claimed his father was in excellent health.  My intention here is not to poke fun at John, but to demonstrate what not to do when discussing a health profile with your insurance agent.

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Cheap Auto Insurance Quotes – A Demand Of The Hour

Cheap auto insurance quotes are a most frequently discussed topic in today’s time. This is required in today’s time. Why? Because the global recession which has affected not only the IT sector but has left almost all other sectors of the society untouched from its impact. So what we need is a cheap insurance quote or being more precise cheap auto insurance quotes. A cheap auto insurance quote not only helps us in gaining financial security but also is not too heavy for our pockets.

Again thinking there are various companies present online and they have collaborations with the various insurance providers whom you can approach after getting substantial information about them. All this can be done by simply filling a form online and the information is then furnished to you by these companies. By this less tedious method you have less consumption of your time and energy while having adequate knowledge about the various options available for you. This method of surveying has the triple advantage of getting the insurance provider that provides you with cheap auto insurance quotes, with a good coverage and simultaneous advantage of a service provider that best suits your needs.

In today’s time when the ever evolving world is facing enormous financial crisis or I would say when people today are facing the consequences of worldwide recession we have to rather figure out for the best and the most economic means of getting oneself insured along with the assets one owns. This might seem waste of money initially but will prove to be fruitful in the long run.

Also there are certain points to ponder over if we desire to get cheap auto insurance quotes. These include certain points which if looked at might be really helpful. These tips are as include:

1. You must make sure your car is in a good working condition at the time you want to get it insured just in order to settle yourself for cheap insurance quotes.

2. Resort to some safety measures while driving. This might help you get your auto insurance at rates cheaper than you expect.

3. Resort to safe driving practices as there is a famous saying speed thrills but kills. So drive slowly and be safe.

4. Get your home insurance and other vehicles insurance in the same company. Again this helps you to get cheap auto insurance quotes.

The above mentioned tips though sound quite simple but believe me are quite effective and will definitely help you whenever you plan for cheap auto insurance quotes. These measures thus if followed not only ensures financial security to your life and your assets but also makes sure that your hard earned money does not go down the drain just due to your shear negligence. So pay heed to some of the above mentioned steps and you might land up with some more favorable and cheap auto insurance quotes. This would guide you to select your insurance company so that you get an adequate cover while simultaneously pay less for your assets.

If you want to obtain cheap auto insurance quotes today or if you are looking for more good information about cheap auto insurance just visit this website, click here: www.InsuranceQuotes.info

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Why Do I Need Cheap Auto Insurance Quotes?

How to save your money and be secure is perhaps one of the main mantras of most people caught in a financial soup with recession and the economic blow out. One way to do so that is to try and find cheap auto insurance quotes. This method can cut down on spending and let it be stashed away for a rainy day. At the same time, one must not allow your insurance to default in any way. It will pay to keep some insurance alive on your car otherwise no one will believe.

The make or model of the car you own does not make a difference; you are bound to have expenses because of rising maintenance costs, taxes and even gas rates. There are a few states in which driving without any insurance can get you penalized. One must at least have a minimum.

One way of shopping extensively without too much hassle is through the Internet. You can compare prices instantly through one interface. The Internet can throw up a wide selection of information that is quite good, actually.

Most insurance companies, in fact all businesses are aware of the fact that this is a market of the buyer. Everyone wants to simply earn, forget about making a profit, just to stay in business. Your requirement of affordable coverage for your car spells income for any company which means you will get what you are looking for. One thing that you must do is ask for any discount or promotion scheme available to you at that time. At the very least, discounts should be available to you.

Do not worry that you could feel out of place or awkward. Ask point blank to read the agreement. Just because you are paying less does not mean you should not know what is in the agreement. What if in order to justify the low premium, the company cuts out some important clauses? You would not want that to happen.

You should also be careful to see that there are no hidden expenses that will be revealed to you later. For example, a service fee charged by the company. Ask about this directly before making any decision.

Now, are you aware that at the end, your driving history plays a central role in acquiring affordable coverage? That is a fact; should you at any point in your driving history get into an accident, you will never be eligible for low rate insurance for a very long time. So, you want to maintain your speed on the road, not drive under the influence of alcohol and not drive when sleepy, tired or sleep deprived.

The question remains, who is eligible for cheap auto insurance quotes? Well, just about everyone. Students opt for this as it saves them money while allowing them to keep a safety net. Even unemployed people can benefit from this. The person who has insurance will be safe.

If you need to obtain cheap auto insurance quotes now or if you are searching for more good resources about cheap auto insurance just visit this website: http://www.InsuranceQuotes.info

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