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Health Conscious People

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4 Reasons why health conscious people should get a lower rate on life insurance

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Health Literacy & Diabetes

According to a 2002 study in JAMA, patients with low health literacy are 43% less likely than patients with higher health literacy to achieve tight glycemic control and are also 203% more likely to have poor glycemic control.

Health literacy is a measure of patients' ability to read, comprehend, and act on medical instructions. Poor health literacy is common among racial and ethnic minorities, elderly persons, and patients with chronic conditions, particularly in public-sector settings. Little is known about the extent to which health literacy affects clinical health outcomes. The objective of this study was to examine the association between health literacy and diabetes outcomes among patients with type 2 diabetes. After adjusting for patients' sociodemographic characteristics, depressive symptoms, social support, treatment regimen, and years with diabetes, patients with low health literacy were 43% less likely than patients with higher health literacy to achieve tight glycemic control and were 203% more likely to have poor glycemic control.

Schillinger D et al. JAMA. 2002 Jul 24-31;288(4):475-82.

Health Literacy & Diabetes

According to a 2002 study in JAMA, patients with low health literacy are 43% less likely than patients with higher health literacy to achieve tight glycemic control and are also 203% more likely to have poor glycemic control.

Health literacy is a measure of patients' ability to read, comprehend, and act on medical instructions. Poor health literacy is common among racial and ethnic minorities, elderly persons, and patients with chronic conditions, particularly in public-sector settings. Little is known about the extent to which health literacy affects clinical health outcomes. The objective of this study was to examine the association between health literacy and diabetes outcomes among patients with type 2 diabetes. After adjusting for patients' sociodemographic characteristics, depressive symptoms, social support, treatment regimen, and years with diabetes, patients with low health literacy were 43% less likely than patients with higher health literacy to achieve tight glycemic control and were 203% more likely to have poor glycemic control.

Schillinger D et al. JAMA. 2002 Jul 24-31;288(4):475-82.

Health Literacy & Hospitalizations

According to a 1998 study in the Journal of General Internal Medicine, patients with low health literacy are 69% more likely to be hospitalized. If hospitalized in the last year, the probability increases to 315%.

Health Literacy & Hospitalizations

Health Literacy & Sugar Intake

According to a 2014 study in the Journal of the Academy of Nutrition and Dietetics, people who know that sugar-sweetened beverages contribute to weight gain are 61% less likely to consume these beverages on a daily basis.

Because there is limited information on associations between health-related knowledge and sugar-sweetened beverage (SSB) intake, this cross-sectional study examined this question using the 2010 HealthStyles Survey data for 3,926 adults. After controlling for age, sex, race/ethnicity, education level, annual household income, and geographic region, the odds for drinking SSBs over 2 times per day were significantly higher among adults who did not agree that drinking SSBs can contribute to weight gain. The finding that knowledge about the adverse effects of SSB intake is significantly associated with SSB intake among adults suggests that health education regarding the potential contribution of excess energy intake from SSBs to weight gain could contribute to lowered consumption and lower rates of obesity.

Park s. Et al. J Acad Nutr Diet. 2014 Jul;114(7):1059-66. doi: 10.1016/j.jand.2013.11.003. Epub 2013 Dec 19.

Health Literacy & Sugar Intake

According to a 2014 study in the Journal of the Academy of Nutrition and Dietetics, people who know that sugar-sweetened beverages contribute to weight gain are 61% less likely to consume these beverages on a daily basis.

Because there is limited information on associations between health-related knowledge and sugar-sweetened beverage (SSB) intake, this cross-sectional study examined this question using the 2010 HealthStyles Survey data for 3,926 adults. After controlling for age, sex, race/ethnicity, education level, annual household income, and geographic region, the odds for drinking SSBs over 2 times per day were significantly higher among adults who did not agree that drinking SSBs can contribute to weight gain. The finding that knowledge about the adverse effects of SSB intake is significantly associated with SSB intake among adults suggests that health education regarding the potential contribution of excess energy intake from SSBs to weight gain could contribute to lowered consumption and lower rates of obesity.

Park s. Et al. J Acad Nutr Diet. 2014 Jul;114(7):1059-66. doi: 10.1016/j.jand.2013.11.003. Epub 2013 Dec 19.

Health Literacy & Mortality

According to a 2016 study by Health IQ analyzing the health knowledge of over 1 million people, a well-rounded foundation of health knowledge is correlated to a significant reduction in mortality risk for adults from ages 30-89. In females the mortality risk is reduced by 56% and in males 57%.

Health Literacy & Mortality

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Health IQ Advantage: We measure waist to hip ratio in addition to BMI for those with muscular builds.

Health IQ Advantage: Have a lot of muscle? We’ll make sure you’re not penalized by your BMI.

Health IQ Advantage: Health conscious people who verify their knowledge can qualify for special rates.

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Health IQ uses data, science, and statistics to show insurance carriers that health conscious people deserve lower rates on life insurance. By clicking "get quote", I give Health IQ Insurance Services my electronically signed prior express written consent to contact me at my phone number and email address listed above to discuss buying life insurance policies & prices. We will never sell your data.

Because the agents are frequently busy helping health conscious customers, I agree these marketing communications may be sent to me using automated technology and pre-recorded messages. I understand that my consent to receive these communications is not a condition of purchase (i.e. I can buy a policy without agreeing to any such communications). By clicking "get quote", I agree to Health IQ Insurance Services’ Privacy Policy and Terms of Use policies.

General Health History

Health IQ Advantage: Had depression from bereavement? We’ll make sure it is treated differently than ongoing depression.

Heart Health

Health IQ Advantage: We help those with slight hypertension who meditate regularly get better rates.

Health IQ Advantage: We measure Tri/HDL cholesterol ratio in addition to HDL ratio for low carb dieters.

Family History

Health IQ Advantage: Has your family history inspired you to be more health conscious? We minimize the penalty for adverse family health history if you are otherwise healthy.

Driving History

Tobacco History

Health IQ Advantage: Quit smoking? We’ll make sure you get the credit you deserve.

Verified and secured by Health IQ Insurance Services, Inc., Insurance  Life, Mountain View, CA

Health IQ uses data, science, and statistics to show insurance carriers that health conscious people deserve lower rates on life insurance. By clicking "get quote", I give Health IQ Insurance Services my electronically signed prior express written consent to contact me at my phone number and email address listed above to discuss buying life insurance policies & prices. We will never sell your data.

Because the agents are frequently busy helping health conscious customers, I agree these marketing communications may be sent to me using automated technology and pre-recorded messages. I understand that my consent to receive these communications is not a condition of purchase (i.e. I can buy a policy without agreeing to any such communications). By clicking "get quote", I agree to Health IQ Insurance Services’ Privacy Policy and Terms of Use policies.

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