Vegetarians Fed Life Insurance Carrot

Summary
An interesting new insurance product has been marketed by Animal Friends Insurance. The life insurance policy offers lower premiums to vegetarians, based on evidence that they are at a lower risk than their carnivorous counterparts of developing certain diseases. It remains to be seen whether other insurers will follow the example set by AFI .

A not-for-profit insurance business has introducd a scheme which offers egg eaters and vegetarians a reduced cost cheap critical illness insurance .

The offer, considered to be the 1st of its type, is being marketed by Animal Friends Insurance (AFI). The firm is offering veggies a six per cent reduction in priceon life insurance premiums
The organisation claimed that vegetarians ought to pay a lesser sum for the product, which pays out if the person were to die, because they were more unlikely to suffer from a list of critical illnesses, including some cancers.

Sheils Hatline, a director at AFI, said that the risk of vegetarians being diagnosed with certain cancers is shrunk by up to 42 per cent and the danger of them suffering from heart disease is cut by up to 32 per cent, but despite this they have, until now, had to pay identical insurance costs as clients who eat meat.
She says that AFI believe that this is not fair and says the life insurance industry should acknowledge the fact that being a vegetarian can create a positive impact on life expectancy and reduce its charges accordingly.

A full-price policy is also on the market for non-vegetarians. Both plans are sold by LV=, which prior, was known as Liverpool Victoria.

In common with normal life insurance policies, a range of factors contribute to the cost of the premium including whether the applicant smokes, their weight, age and sex.

Currently, Animal Friends Insurance is funding the seven per cent price reduction itself from the payment it receives from LV=. In the future, however, the company’s objective was to offer lower costs on specialist policies. In offering the deal the firm is hoping to sign up enough veggies to make it economically viable for LV= to underwrite another insurance plan that takes the vegetarian’s diet into account.

Indeed there are worthwhile savings to be had, a 40-year-oldnon-smoker purchasing £300,000 worth of insurance cover might potentially save £393.60 over a 20-year term.

Where life insurance is concerned, AFI considers that life insurers should try to treat people that eat meat and non-meat eaters in a way that is similar to the way they assess those that smoke and those that don’t. Hopefully others in the insurance industry will take the same initiative.

Some senior executivesin the insurance industry do not believe there is proof that veggies live longer, and how any insurance company would know that those who had certified that they are veggies did not eat the odd spare rib.

When it comes to smoking, the insurance company can refer to your Doctor’s records – if you now don’t smoke it’s possible that your GP would know about it. But this isn’t the case when it comes to eating meat, an said a spokesperson from the insurance industry.

But many veggies argue that they are not worried about people falling off the veggie way of eating and suggested that once a vegetarian has become a vegetarian, they don’t regress to meat-eating, that is unlike applicants who smoke who tend to drift in and out of their habit.

5 Easy Weight Loss Tips

Weight loss doesn’t have to be difficult and depressing. In fact, it should be motivational and rewarding. Here are five great tips to help ensure your experience when losing weight is a positive one.

1. Go ahead, indulge yourself! It’s just not reasonable to think you’ll be able to stick to a lifestyle of deprivation. Every now and again it’s fine to splurge and have something you really like. The trick is portion control: instead of having a three scoop monster ice cream cone, get a child’s size.

2. Eat breakfast. When your sleeping your body actually kicks into a kind of “fasting mode.” You “break the fast” when you eat breakfast (thus the name). In fact, if you can eat breakfast within an hour of getting out of bed, you may actually boost your metabolism and burn calories better throughout the day.

3. Try something new. When trying to lose weight, it’s easy to fall into a rut of eating the same foods all the time because you know they’re “safe.” But there are thousands of varieties out there that are healthy and tasty. Read the labels and try something new in the way of ethnic or exotic foods.

4. Talk to yourself. No, it doesn’t mean you’re crazy! Positive “self-talk” really does help lift your spirits and keep you motivated.

5. Take your vitamins. A good multi-vitamin will ensure your nutritional needs are being met. This is especially important if you’re on a diet plan that restricts certain kinds of foods.

The best way to lose weight is through exercise. I know because I lost 45 lbs in six months — and kept it off!

Amos Murray runs an consumer shopping web site at frankenshopper.com.