A trip to the gym is more than just looking and feeling great! It can help you keep your health insurance and life insurance costs down.

In many cases, if you are young and healthy, you can lock in a great rate with no physical and lock it in for years to come! If you are over 35, 45, or 55, you can still qualify for discounted life insurance and health insurance rates!

Insurance carriers can look at the ratio of your height and weight, as well as your age and medical conditions, medications, and other factors when you apply for life insurance. If you have a healthy weight and other factors, such as reducing a health factor to allow your doctor to stop giving you medication for it, then you could get cheaper rates too! (Always consult your physician about medications, exercise, and health related issues.)