Get Active! Get Life Insurance Savings

Sometimes it’s hard to stay active during the cold winter months, but have you ever considered that keeping fit and healthy can lead to more affordable life insurance?

When the outside temperature plummets, a lot of us have a tendency to hibernate. It’s common to seek comfort in food, sleep more, and spend more time indoors — perhaps in front of the television.

Four out of five Australians say their exercise routine gets shorter in the winter and many say it’s because it’s too cold, wet or dark to go outside in the colder months. The consumption of junk food also increases during the winter months. This combine that with less exercise and higher alcohol consumption had led approximately 80 percent of Australians to admit that they pack on some pounds during the winter.

A poor diet and lack of exercise can contribute to a variety of chronic diseases, including hypertension, coronary heart disease, strokes, cancer, osteoarthritis, type 2 diabetes and organ failure.

Of the top ten causes of death in Australia in 2009, eight were lifestyle related; of the top twenty, fourteen were lifestyle related1

By making better lifestyle choices now, you can avoid damage to your health and delay the onset of some lifestyle-related diseases – and, as an added benefit, you can lower your life insurance premiums and save some money.

Seasons can affect mood, energy level and motivation. It’s a vicious cycle: The short days and colder weather of the winter months can make us feel low, which in turn can make us want to hibernate even more – and eat that junk food and avoid exercise.

But exercise can make you feel better because cardiovascular activity releases endorphins. Working out can also relieve stress and increase energy levels, leading to more energy during the day and a more restful sleep at night. Exercise is also beneficial for your immune system, which can help you fight winter colds and flu.

To counteract your urge to eat unhealthy food during the winter, drink plenty of water, pay attention to portion sizes, cut back on processed foods and eat regular meals. If you pair these lifestyle changes with more exercise, you can improve your mood, energy level, and fitness during the winter – instead of letting it decline.

After you start your new regime, and your health begins to improve, make sure to ask for a recheck on your life insurance premiums. A healthier, fitter you can mean a healthier, fitter wallet, too.

How we can help

Through our website you can get life insurance quotes instantly online. Alternatively one of our life insurance specialists can provide life insurance comparisons from all Australia’s leading life insurance companies.


1. Australian Bureau of Statistics, 2011, Causes of Death, Australia (2009) updated 03/05/11