Do lifestyle habits affect health insurance premiums, here’s what you need to know

The increasing expenses associated with healthcare and health insurance pose significant worries for individuals globally. For many, the financial strain of healthcare can be daunting, potentially overwhelming them. Elevated costs may further restrict access to essential care, especially for those with lower incomes and families. Such limitations can worsen pre-existing health disparities, contributing to avoidable health issues. Additionally, the financial strain related to healthcare can adversely affect mental well-being, giving rise to anxiety, depression, and other mental health challenges.

Amidst the surge in healthcare expenses, individuals must assume responsibility for their well-being and adeptly navigate the intricacies of health insurance. Emphasizing a positive and proactive perspective involves comprehending the connection between lifestyle choices and health insurance premiums. This knowledge empowers individuals to make informed decisions, ultimately benefiting both their health and financial well-being.

While some health conditions may be beyond your control, certain self-cultivated lifestyle habits can negatively impact health insurance premiums. There is an intricate relationship between lifestyle habits and their impact on health insurance premiums.

  • Opting for a healthier lifestyle may result in reduced premiums. Sustaining a healthy weight, effectively managing chronic conditions, participating in routine preventive care, and steering clear of risky behaviours can position you as a lower risk for insurers, potentially resulting in decreased premiums.
  • Being aware of how certain lifestyle factors affect your premium can inform your decisions. Some insurance providers provide discounts for healthy habits, such as gym memberships or smoking cessation programs.
  • Promoting well-being extends beyond merely steering clear of high-risk activities. Giving priority to mental health, effectively managing stress, and ensuring sufficient sleep also contribute to overall health and may potentially reduce healthcare costs.

Lifestyle habits directly affecting health insurance premiums

Below are certain lifestyle habits that can impact your health insurance premiums and demand attention in the long term

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Eagles lose backup LT to Tennessee Titans

The Philadelphia Eagles have lost another pending free agent with the NFL’s legal tampering period underway. Fortunately, this departure shouldn’t significantly hurt the team.


Per NFL Network insiders Ian Rapoport and Mike Garafolo, former first-round pick Andre Dillard is expected to sign with the Tennessee Titans. Dillard’s new deal will be three years for $29M, Garafolo tweets.


Once upon a time, Dillard was viewed as the long-term answer at left tackle for the Eagles in the post-Jason Peters era. Howie Roseman traded up in the 2019 NFL Draft to snag Dillard, only to see him eventually lose the starting job to former seventh-round pick Jordan Mailata.

After the Eagles refused to pick up Dillard’s fifth-year option, the writing was on the wall.

With Taylor Lewan no longer protecting the blind side in Tennessee, the Titans clearly view Dillard as a potential long-term replacement. He had his moments during his Eagles career, but he just never seemed to put it all together.

At 27 years old, Dillard’s career is far from over. If he manages to stay healthy and carries some of the coaching he received under Jeff Stoutland with him, he should do just fine in Tennessee.

>> Read More: Legal Tampering: Eagles lose stout DT to NFC rivals


Mandatory Credit: AP Photo

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Louisiana insurance incentive program to provide $62M in grants | Louisiana

(The Center Square) — Nine companies are seeking $62 million in grant money through a recently funded Insure Louisiana Incentive Program designed to address the state’s insurance crisis, officials announced Tuesday.

Louisiana Insurance Commissioner Jim Donelon held a press conference with legislative leaders in Baton Rouge to provide an update on the incentive program, which lawmakers funded with $45 million during an extraordinary session last month.

The incentive program, first created in 2005 to address an insurance crisis following hurricanes Katrina and Rita, is designed to provide grants of between $2 million and $10 million to lure underwriters, which will be required to match the funds to write policies in the state.

Donelon said “the round one application period was more than the hoped for success” for the program, drawing requests from nine insurers seeking a total of $62 million in grant money.

Grant requests included three for $10 million each, with others for $6.5 million, $6 million, $5 million, and $2 million. If approved, the companies would be required to write a total of $180 million in new premiums and maintain that level for five years, Donelon said.

“We began the process (for approvals) as they were coming in,” he said. “If all goes well, they would be able to begin writing policies next month.”

Lawmakers are expected to introduce legislation to expand funding for the program to meet the $62 million in requests, but officials plan to distribute the $45 million on a pro-rata basis until the additional funding is secured, Donelon said.

The failure of numerous Louisiana property insurance companies has driven up the number of policies at Louisiana Citizens, the state’s insurer of last resort, from about 36,000 policies before Hurricane Laura in 2020 to about 125,000 policies. Louisiana Citizens is mandated by law to be

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‘No strategy’: West Yorkshire firms hope the budget supports industry | Business

Almost 13 years ago, at the dawn of the Conservative-Liberal Democrat coalition government, David Cameron chose Salt’s Mill as the venue for his first big economic speech.

With its 250ft chimney, the Mill was a towering reminder of how the Industrial Revolution shaped economy of West Yorkshire, and an indication of the new government’s ambition.

Cameron and his chancellor George Osborne had spent the 2010 general election campaign, fought in the shadow of the global financial crisis, promising a “long-term economic plan”.

With Lib Dem business secretary Vince Cable alongside him, Cameron arrived in the Conservative constituency of Shipley promising to use tax cuts and deregulation to unleash business investment – a long-term bugbear of the UK economy.

“Let’s make the next decade the most entrepreneurial and dynamic in our history – and let’s do it together. All of us, across Britain, sharing in our prosperity,” he exhorted his audience.

Yet with that decade now come and gone, Cameron’s aspiration remains a distant one: the UK continues to lag behind its peers when it comes to business investment.

Alpesh Paleja, lead economist at the CBI, says “there is a very clear picture of underperformance, particularly when we look at business investment in the UK relative to the G7, and that underperformance has persisted as far back as we have access to the data, which is the early 1980s”.

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Cameron’s host in Salt’s Mill in 2010 was Pace, a homegrown electronics firm making and exporting TV set-top boxes – a technology that was largely killed off by internet streaming and now seems almost as archaic as the looms that wove reams of alpaca-cotton fabric here.

Like another much-vaunted UK tech champion, Arm Holdings, Pace floated on the London stock market, but was ultimately swallowed up by an overseas

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Law Society: Proposed legal aid fee increase marks progress but more action needed

Law Society: Proposed legal aid fee increase marks progress but more action needed

A proposed rise in legal aid fees is a step in the right direction, but further action is urgently needed to resolve the long-term crisis in the sector, the Law Society of Scotland has said.

Following discussions with the Law Society, the Scottish government has proposed an £11 million increase in spend across both criminal and civil legal aid fees for solicitors.

The society has said while the proposals do not resolve all of the long-term, deep-rooted problems in legal aid, it is a step towards addressing some of its concerns, including the need to reverse the acute reduction in the number of solicitors currently able to offer civil, children’s and criminal legal aid.

In addition to increasing legal aid fees, the Law Society has stated that a robust fee review system will be essential to ensure the long-term sustainability of the legal aid sector and ensuring access to justice.

Murray Etherington, president of the Law Society of Scotland, said: “While this brings much needed progress, after more than two decades of chronic underfunding, the government’s proposed increase does not fully resolve the deep-rooted issues in the legal aid sector.

“Access to legal services is a key part of living in a fair and just society. However across Scotland, the network of legal aid support is diminishing, while the demand for help is increasing.

“In many areas, including some of the poorest parts of the country, people are unable to access a legal aid solicitor. That means that some people cannot access the legal advice or representation they need and can be severely disadvantaged as a result, for example if they have been unfairly dismissed from work or are going through a complex family matter.

“We are keen to see the proposed increase implemented as quickly as possible. We

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AM Best Assigns Credit Ratings to CL Life and Annuity Insurance Company

OLDWICK, NJ, September 15, 2022–(BUSINESS WIRE)–AM Best has assigned a Financial Strength Rating (FSR) of B++ (Good) and a Long-Term Issuer Credit Rating (Long-Term ICR) of “bbb+” (Good) to CL Life and Annuity Insurance Company (CL Life) (Fort Worth, TX). The outlook assigned to these Credit Ratings (ratings) is stable.

The ratings reflect CL Life’s balance sheet strength, which AM Best assesses as very strong, as well as its adequate operating performance, limited business profile and appropriate enterprise risk management.

CL Life, which was launched in August 2022, initially has been capitalized with approximately $10 million, and is projected to have the strongest level of risk-adjusted capitalization, as measured by Best’s Capital Adequacy Ratio (BCAR), with a low level of initial business and high reinsurance leverage in the first couple of years of operations. The company anticipates receiving additional funding to support the projected annuity business growth. CL Life expects its projected new business growth to be measured, ensuring that capital remains at targeted levels while maintaining adequate liquidity under their established asset-liability management framework. The company’s investment portfolio is expected to focus on investment-grade private corporate credit, as well as first-lien real estate mortgages, with an allocation higher than the industry average, relying on the investment expertise of the parent company, Crestline Investors, Inc.

CL Life does not have any established or projected market position as of yet, with a high degree of competition currently in the annuity marketplace as a headwind toward execution of its business plan.

This press release relates to Credit Ratings that have been published on AM Best’s website. For all rating information relating to the release and permanent disclosures, including details of the office responsible for issuing each of the individual ratings referenced in this release, please see

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AM Best Affirms Credit Ratings of United States Liability Insurance Company and Its Subsidiaries

OLDWICK, NJ, August 24, 2022–(BUSINESS WIRE)–AM Best has affirmed the Financial Strength Rating of A++ (Superior) and the Long-Term Issuer Credit Ratings of “aa+” (Superior) of United States Liability Insurance Company (USLI) and its subsidiaries: Mount Vernon Fire Insurance Company (MVF), US Underwriters Insurance Company (USU) (Bismarck, ND), Mount Vernon Specialty Insurance Company and Radnor Specialty Insurance Company. The outlook of these Credit Ratings (ratings) is stable. All companies are domiciled in Omaha, NE, unless otherwise specified.

The ratings reflect the insurance operating companies’ consolidated balance sheet strength, which AM Best assesses as strongest, as well as their very strong operating performance, neutral business profile and appropriate enterprise risk management.

These assessments are evidenced by USLI’s extended trends of underwriting and overall operating profitability, superior risk-adjusted capital position, relevant market presence and conservative reserve positions. Additional positive rating factors include a high level of diversification in the companies’ books of business with regard to concentration limits, sales channels, proactive claims management philosophy and commitment to customer service. Furthermore, these ratings continue to benefit from implicit support provided to USLI and its subsidiaries by their ultimate parent, Berkshire Hathaway Inc. (Berkshire) [NYSE: BRK-A and BRK-B]and explicit support from their affiliate, National Indemnity Company.

This support for some of the operating companies is in the form of significant reinsurance treaties with National Indemnity Company, a Berkshire subsidiary. In addition to this agreement, Berkshire has established a long-term track record of supporting its member companies.

In the second quarter of 2022, USLI experienced volatility in its investment portfolio due to recent stock market behavior. Any potential concerns from the resulting surplus decline are mitigated by the group’s strongest risk-adjusted capitalization, as measured by Best’s Capital Adequacy Ratio (BCAR), which provides ample cushion to absorb occasional volatility in the capital

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AM Best Downgrades Issuer Credit Rating of Cameron Mutual Insurance Company

OLDWICK, NJ, August 19, 2022–(BUSINESS WIRE)–AM Best has downgraded the Long-Term Issuer Credit Rating (Long-Term ICR) to “bb” (Fair) from “bb+” (Fair) and affirmed the Financial Strength Rating (FSR) of B (Fair) of Cameron Mutual Insurance Company (Cameron Mutual) (Cameron, MO). The outlook of the FSR has been revised to negative from stable while the outlook of the Long-Term ICR is negative.

The Credit Ratings (ratings) reflect Cameron Mutual’s balance sheet strength, which AM Best assesses as adequate, as well as its marginal operating performance, limited business profile and marginal enterprise risk management (ERM).

The Long-Term ICR downgrade reflects ongoing surplus erosion, which has weakened Cameron Mutual’s overall balance sheet strength. Severe weather events in 2022 drove the $6.4 million decline in capital through the first six months. Furthermore, the surplus decline influenced the level of risk-adjusted capitalization, as measured by Best’s Capital Adequacy Ratio (BCAR), which is assessed as strong, from very strong at last review. The downgrade of the Long-Term ICR further considers underwriting leverage metrics that are well-above the private passenger standard auto and homeowners composite. The negative outlooks reflect ongoing deterioration in the company’s overall balance sheet strength and consistently unfavorable operating results. Marginal operating performance continues to erode Cameron Mutual’s capital position, creating greater sensitivity in risk-adjusted capitalization, as measured by BCAR. Furthermore, while management continues to refine the business profile in an effort to reduce exposures and correct performance, risk mitigation strategies have yet to gain material traction.

Cameron Mutual writes personal auto, commercial multi-peril, farmowners and homeowners in three states, primarily Missouri. Management has recently emphasized de-risking the portfolio as it relates to the more volatile segments of the book of business, as well as improving rating algorithms with more granularity and pushing rate increases where

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Few see quick relief in property insurance crisis

At the end of May, the Florida Legislature was called into a special session by the Governor to address the property insurance crisis in Florida, which is creating havoc for homeowners.

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Monthly, homeowners across the state are being dropped by insurance companies pulling completely out of the state, or they are seeing premiums skyrocket for the same coverage, or they cannot find coverage for their home’s roof, which was installed more than 15 years ago.

Homeowners are being forced to self-insure, which means they have no private insurance and must be diligent about setting aside money to pay for any storm damage, replace older roofs in good condition, or get insurance through the Citizens Property Insurance Corporation. This quasi-public private program is known as the insurance of last resort.

The problem with the Citizens Property Insurance Program is that many legislators and experts contend the program’s $3 billion in reserves is inadequate for potential liabilities in the event of a major hurricane, which could leave homeowners or the taxpayers helpless in the aftermath of a disastrous storm.

The bill approved by the Florida Legislature and Governor addressed long-term issues which may, in time, provide help to homeowners. Still, most agree that immediate help is not eminent or certain. The bill attempts to reel in bad faith litigation by limiting assignment of benefits, allowing for potential different deductible options for older roofs, and creating a reinsurance program to encourage companies not to leave the state.

Plus, the legislation restricts insurance companies from arbitrarily requiring roof replacements and provides homeowners an opportunity through independent inspections to prove their roofs are in good shape. These measures, if not

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