• About
    Us
    • About Dimmitt Insurance
    • Dimmitt Insurance Cares
    • Meet Our Staff
    • Our Insurance Carriers
    • Customer Reviews
  • Auto, Home &
    Personal Insurance
    • Auto Insurance
    • Boat & Marine Insurance
    • Condominium Insurance
    • Flood Insurance
    • High Net Worth Coverage
    • Homeowners Insurance
    • Motorcycle Insurance
    • Renters Insurance
    • – View All Personal
  • Business
    Insurance
    • Business Interruption Insurance
    • Business Owners Package Insurance
    • Commercial Auto Insurance
    • Commercial Property Insurance
    • Commercial Umbrella Insurance
    • General Liability Insurance
    • Manufacturers Insurance
    • Professional Liability (E&O) Insurance
    • Surety Bonds
    • Workers’ Compensation Insurance
    • – View All Business
  • Life
    Insurance
    • Individual Life Insurance
    • Fixed Annuities
    • Individual Long-Term Care (LTC) Insurance
    • – View All Life
  • Policy
    Service Center
    • Certificate of Insurance Request
    • Policy Change Request Form
    • Auto ID Card Request Form
    • Insurance Resources
    • – View All Policy Service
  • Insurance
    Blog
  • Contact
    Us
    • Clearwater Office
    • Pinellas Park Office
    • Sarasota Office
    • Homosassa Office
    • Wesley Chapel Office
    • Refer a Friend
    • Meet Our Staff
    • Secure Contact Form
    • Current Job Openings
Dimmitt Insurance

Insuring Clearwater
and All of Florida
Call (866) 763-6627

Home > Insurance Blog > 5 Behaviors That Can Raise Your Life Insurance Premiums

5 Behaviors That Can Raise Your Life Insurance Premiums

Posted by Dimmitt Insurance on July 3, 2017

Life Insurance

Your hobbies, lifestyle, and overall health impact how much you pay for life insurance. For example, if you have decided to take up scuba diving, mountain climbing, rock climbing, BASE jumping or decide that you want to get involved in skydiving, these activities will affect the cost of your policy.

Essentially, your life insurance policy is a legal contract between you and the company that issues it. These companies evaluate all risks associated with covering you against death or incapacitation. Certain behaviors and conditions will increase the cost of your policy and the premiums you will pay. Every policy should be customized to match the individual. The types of behaviors that life insurance companies often consider risky include:

  • Smoking. Insurance companies will cover smokers, but at a higher rate.
  • Body weight. The life insurance company underwriters will evaluate your height and weight for known associated health risk factors.
  • Driving record. If you have a history of traffic violations – particularly moving violations or driving under the influence – your rates may be higher.
  • Risky activities. If you engage in certain high risk activities, such as scuba diving, motorcycle riding, flying a plane or similar pursuits, your rates will be higher.
  • Alcohol consumption. Your alcohol consumption will be evaluated as a risk factor in issuing a policy. 

Getting Approved for Life Insurance

There are several criteria that underwriters employ to evaluate a potential policyholder. If you are considering purchasing a life insurance policy, get help from an agent as they’ll manage the process for you. There are many types of life insurance policies on the market, and an agent will help you find the company that is right for you and your lifestyle.

At , a local agency, we are happy to explain everything simply and clearly, so you can make an educated decision about what will work best for you – and your budget. New life insurance programs come on the market, and if you already have a term life insurance policy, it is worth having it reviewed – there may be a better option for you now. We are happy to help.

Our local agents at Dimmitt Insurance in Clearwater, Florida make themselves available after work and on weekends so you can have an appointment at a convenient time. Having a life insurance policy in place is one of the most effective ways to protect your family, and getting your policy issued is important. We know the system and how to work to get you the coverage you need, and at a rate you can afford. Talk to us – we are here to help.

Filed Under: 1st, Life Insurance Tagged With: Clearwater, Florida, Insurance Agent

Clearwater Insurance Quotes

  • This field is for validation purposes and should be left unchanged.
  • GL
    I'm very happy ...Gary L., Clearwater, Florida
  • Karen B.
    She was very diligent in her efforts to find me the best coverage available.Karen B., Holiday, FL
  • AR
    ...has saved me money while increasing coverage.Alexander R., Dunedin, FL
  • Sandy D.
    She was very knowledgable, friendly and courteous.Sandy D., Florida
  • Charles P.
    Bill Dismore saved me $2,000 per year annual premium for the same coverage.Charles P., Tarpon Springs, FL
  • Phillip Vultaggio
    Pat Fowler was the best agent we have ever worked with.Phillip V., Hernando, FL
  • DM
    Michelle went above & beyond your profession to assist us...Dominic, Florida
  • EK
    ...the whole team was very cooperative...Ehab K., Florida
  • MS
    We have had a great experience so far with our agent, Sonia Fontanez.Marilyn S., Florida
  • Donald Colucci
    Michelle was very helpful in getting me insurance I needed for my new car.Donald C., Florida
 See All Reviews

ABOUT US

  • About Us
  • Meet Our Staff
  • Our Insurance Carriers
  • Customer Reviews

INSURANCE

  • Auto, Home, & Personal Insurance
  • Business Insurance
  • Life Insurance

CLEARWATER Representative

  • Dimmitt Insurance
    • 25191 US Hwy 19 North
    • Clearwater, Florida 33763
  • Toll Free: (866) 763-6627
  • Fax: (727) 255-5595

WESLEY CHAPEL REPRESENTATIVE

  • Dimmitt Insurance
    • 2500 Lajuana Boulevard
    • Wesley Chapel, Florida 33543
  • Toll Free: (866) 763-6627
  • Fax: (727) 255-5595

PINELLAS PARK Representative

  • Dimmitt Insurance
    • 3333 Gandy Blvd
    • Pinellas Park, Florida 33781
  • Toll Free: (866) 763-6627
  • Fax: (727) 255-5595

SARASOTA Representative

  • Dimmitt Insurance
    • 1518 State Street
    • Sarasota, Florida 34236
  • Toll Free: (866) 763-6627
  • Fax: (727) 255-5595

HOMOSASSA Representative

  • Dimmitt Insurance
    • 2431 South Suncoast Blvd
    • Homosassa, Florida 34448
  • Toll Free: (866) 763-6627
  • Fax: (727) 255-5595
Dimmitt Insurance Provides Auto/Car Insurance, Home Insurance, and Business/Commercial Insurance to All of Florida, Including Tampa Bay, Clearwater, and Sarasota.
© Copyright 2018, Dimmitt Insurance | Privacy Statement | Login
BrightFireInsurance Agent Websites