There are many reasons to eat healthily; it helps you to look radiant, it energises your body to feel great and helps to prevent several different types of cancer, just to name a few perks.

However, did you know that a healthy diet can also help you when it comes to getting a better deal on your life insurance? Life insurance rates are based largely on your personal health, which means that if you suffer from chronic illnesses, your premiums are very likely to be much higher than someone who is in better shape.

For this reason, a diet that consists of plenty of the good stuff, i.e. plenty of fruit, vegetables and water, will work wonders for both your health and your insurance costs. A diet that is loaded with greenery and roughage can lower your risk of developing Type 2 diabetes and heart disease, considerably lowering the price of your life insurance policy, too.

During the process of shopping around for a great deal on your life insurance, the insurer is highly likely to ask for your medical records to see if you have a history of bad health. This could mean a medical exam, too. If you are found to be obese, you could end up facing double the life insurance costs of someone who isn’t. This reason alone is enough to motivate you to start eating right.

A sensible diet isn’t the only factor to maintaining a healthy lifestyle, though. As well as eating well, you should also ensure that you take plenty of exercise every day to stay slim and keep your body in full working order. Furthermore, getting enough sleep is an essential part of staying healthy; not getting enough sleep makes you 12% more likely to die before your time, so make sure you get your full eight hours, every night.

This isn’t just something you should do for your own wellbeing, though. Life insurance exists to ensure that the loved ones you leave behind are stable and can support themselves without your income. Surely, you should be doing everything you can to make certain that you can take out a policy that will enable them to do so. Sadly, that may include passing on that second doughnut.

This should not be construed as advice and is guidance only.