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Insurance Solutions of South Central Kansas

734 N Maize Rd,
Wichita, KS 67212

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The Impact of Health and Lifestyle on Your Life Insurance

When it comes to life insurance, your personal health and lifestyle can play a significant role in determining your premiums and coverage options. Insurance Solutions of South Central Kansas is here to help you understand these factors.

How Health Impacts Your Life Insurance

Insurance companies use a process called underwriting to assess your health risks when you apply for a life insurance policy. This typically involves a medical exam and a review of your medical history. Chronic conditions, high cholesterol, and high blood pressure can all lead to higher premiums.

The Role of Lifestyle in Your Life Insurance

Your lifestyle choices can also impact your life insurance premiums. For example, smokers often pay higher premiums than non-smokers. High-risk activities like skydiving or motor racing can also lead to higher premiums. On the other hand, a healthy lifestyle can lead to lower premiums.

Improving Your Health and Lifestyle for Better Rates

Improving your health and making positive lifestyle changes can help you secure lower life insurance premiums. This can include quitting smoking, maintaining a healthy weight, managing chronic conditions, and avoiding high-risk activities.

Get Help with Your Life Insurance Needs

At Insurance Solutions of South Central Kansas, we understand that every individual is unique. We’re committed to helping you find a life insurance policy that fits your needs and budget, taking into account your personal health and lifestyle. Contact us today to learn more about our life insurance options in Wichita, KS.

Why Life Insurance Should Be on Every Young Professional’s Checklist in Wichita

As a young professional in Wichita, KS, the thought of life insurance might not have crossed your mind. You’re likely in the prime of your life, building your career and possibly starting a family. However, it’s exactly these reasons that should make life insurance an integral part of your financial planning.

Financial Security for Loved Ones

A life insurance policy can provide financial security to your loved ones in the event of your untimely demise. It can support your family in paying the bills, continuing their lifestyle, funding your children’s education, and even covering funeral expenses.

Affordability of Early Investment

The cost of life insurance rises with age and health complications. As a young professional, you are likely to be in good health, making the cost of a life insurance policy considerably affordable at this stage of your life.

Creating a Financial Safety Net

Life insurance can provide a safety net that helps you manage debt. For instance, if you have student loans co-signed by your parents or a mortgage, a life insurance policy can help ensure that these financial burdens do not fall on your family should something happen to you.

Take the Long View

Young professionals often have a long-term perspective when making financial or investment decisions. Though you’re in the early stages of your career, considering life insurance now can pay dividends in providing peace of mind and financial security for you and your loved ones.

At Insurance Solutions of South Central Kansas, we’re committed to helping young professionals in Wichita understand the importance of early investment in life insurance. Contact us today to discuss the life insurance options best suited to your needs.

Partner Carriers

  • Allstate
  • American Modern
  • Aon
  • Branch
  • Bristol West
  • Causalty Underwriters
  • Chubb
  • Cincinatti
  • Clearcover
  • CNA
  • CoverTree
  • Dairyland
  • Encompass
  • Farmers
  • Foremost
  • Gainsco
  • Hagerty
  • Liberty Mutual
  • National General
  • Nationwide
  • Neptune
  • Openly
  • Pacific Life
  • Pathpoint
  • Progressive
  • Protective
  • Prudential
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  • Safeco
  • SBLI
  • Scottsdale
  • State Auto
  • Steadily
  • Stillwater
  • Tapco
  • The Hartford
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