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Cholesterol checks and life insurance

Often in life, our loved ones rely on us for food and water, shelter, schooling, medical and dental insurance, and other of life's necessities. We often take these things for granted. Our life goes on in a certain way, that that's the way it is: we pay the bills, and we pay them more or less on time, and because of that our families live more or less healthily and happily. Questions about life insurance, such as why buy it in the first place, and, if I decide to buy, how much should I buy, have both simple and complicated answers. The simple answers are that life insurance is a way to ensure that your family, in the case of your death, would go on living the sort of lifestyle that they've become accustomed to. How much life insurance you need depends on how much you make a year currently. You want your life insurance to cover what you would have made until you retired. That way, even in the case of your death, you can provide for your family. Financially, it's as if you're still around: the amount of money coming in is the same amount that came in when you were alive.
Other reasons for buying life insurance (and these factor into how much you buy as well) include leaving an inheritance behind, leaving a legacy. Estate tax issues are also involved, as you can formulate your life insurance policy to take care of these. You may want to leave an inheritance for your family that is larger than what you would have made by retirement. Or you may want to leave behind a certain amount of money for your favorite charities. Life insurance gives you these options as well.
You want to calculate how much money you make a year and how much you would make in total until the day of your retirement. You add that number together, and that's approximately how much life insurance you need.

The calculation referred to above doesn't take in other things, other costs that come up when a person dies. There are special taxes involved when a person dies, and the cost of burial itself can be very, very high. The purchase of a coffin and a burial site can often cast as much as a new, expensive car. You'll want to calculate these sort of expenses in when figuring out how much life insurance you need.
Your life insurance company will want to know certain things about you; for example, the state of your health. Life insurance companies understandably want to know what sort of condition you're in when you sign up for life insurance. Cholesterol checks are a big factor. Your potential life insurance company will want you to go in for a health checkup.
High cholesterol levels are an increasing reason for death in the United States and around the world. Often, cholesterol levels can tell someone what their chances are of dying early or dying late. For this reason, life insurance companies take a very close look at cholesterol levels when considering a candidate for life insurance.
High cholesterol will keep you from getting the best prices on life insurance. One way to solve this problem is to work with your doctor after your cholesterol check in lowering your cholesterol. Options for lowering cholesterol after a cholesterol check include medications, diet, and exercise. Other factors that your life insurance company will consider after your cholesterol check include whether or not you smoke, and whether or not you're overweight. If you don't smoke, you're physically fit, and you have high cholesterol, your chances of getting a good life insurance rate are obviously better than if you're hugely obese and smoking all the time with high cholesterol.

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