By on | Posted in: Health Tips

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New Year, New You!
Helpful Tips to Help You Lose Weight
By Ena Kalkan

The start of a new year is just around the corner and as we continue our journeys into the year of 2016, everyone is making their own kinds of goals they wish to accomplish. Quit smoking, save money, eliminate stress from your life are just some of the top new year’s resolutions. Can you take a wild guess at what the top new year’s resolution is every year? Lose weight!

Here are some helpful tips to keep you on track to a healthier you in the new year


Even the tips that may seem like they have the least influence on losing weight can actually make the greatest effect. Take a look and read through some the tips to help you with your goal:

1. Drink more water. Think about grabbing the water bottle instead of the beer in the fridge or the wine sitting in the kitchen. Instead of getting sweet tea or coke at the restaurant, choose to drink water (maybe even with a slice lemon if you wish)! Water is essential in our everyday life and will not only help you lose weight, but helps the skin and ensures proper circulation of nutrients in your body. Water helps you detox your body by removing harmful toxins from your digestive tract.

– Side note: Drinking a cold water with a couple drops of lemon in the morning will help you wake up faster, freshen your breath, reduces the feeling of hunger, helps you get a large amount of vitamins and aids your digestive system. Try it out!

2. Meditate for five minutes. It doesn’t hurt to give this a shot! Meditating is all about focusing on one thing, such as your breathing or the sounds of the wilderness or an ocean, while blocking out other distractions. Benefits from meditating includes: less stress, better focus, more creativity, increased memory, etc. Take a couple minutes in your morning routine to try this tip out.

3. Watch a motivational video. This may seem a bit silly to some but this can really help you find the motivation you need to start working out. There are many videos such as this YouTube Channel by Mateusz M. Motivational videos can definitely be worth the couple of minutes spent watching to those who may have a hard time finding inspiration. Take a look!

4. Add a mini strength workout to your day. This is just as effective as hitting the gym. Look up mini strength workouts, such as doing squats and push-ups, to help you lose weight. The general rule to this is that each exercise should fatigue your muscles within 60-90 seconds. If not, you can add an additional resistance band, or resistance tube, for extra burn.

5. Bring your own lunch. Making your own lunch for work helps you eliminate those extra calories you find yourself consuming from restaurants or to-go places. You know exactly what you’ve made for lunch and you are in control of your own proportions and the calories you consume. Plus, you can save yourself a good amount of money in the long run bringing your own lunch every day!

6. Find a support system. Whether it’s finding support through a close friend or online through social media, it definitely helps having somebody who encourages you to continue your battle with losing weight. Research shows that having this support adds to success in weight loss. Always worth a try.

7. Sleeping is extremely important. From the National Heart, Lung and Blood Institutes website, “Sleep plays an important role in your physical health. For example, sleep is involved in healing and repair of your heart and blood vessels. Ongoing sleep deficiency is linked to an increased risk of heart disease, kidney disease, high blood pressure, diabetes, and stroke.” Continuing to have a good night’s rest has proven to show better results with an individual’s weight loss. How much sleep do you need? For adults, it’s recommended to have at least 7 to 9 hours of good, uninterrupted sleep.

8. Eat breakfast – cereal. Make an attempt to eat cereal every day in the morning. Studies have shown that people who eat cereal are less likely to be obese and less likely to have diabetes than those who don’t. People also consume more fiber and calcium when they eat cereal for breakfast and less fat than those who don’t.

9. Clean your home once a week! Not only will this make you feel great about your house and how clean it is, but this can actually help you lose some weight in the process. Whether you’re cleaning your bathroom thoroughly, vacuuming the entire house, or detailing your car you could find yourself burning a considerable amount of calories.

10. Keep a food log. This has proven to be effective in helping many people with their weight loss. When you find yourself writing down everything you’ve eaten in a day, you can see exactly what you’re consuming. This helps you feel more responsible for what you choose to eat, encourages you to avoid those little and most times unhealthy snacks, and most importantly, helps you meet your health goals!

Losing weight is no easy feat. It takes time, patience and a lot of energy and self-motivation. But once you’ve found yourself at your goal weight, it feels incredible. Losing weight can help solve many different health issues and can ultimately help you find a better life insurance rate. An agent at 1st Option Insurance will help you find a great rate by shopping the market for A or higher rated companies.
There are many, many useful tips to keep you on the path to successful weight loss. Keep them all in mind going into the new year.

Happy New Year from 1st Option Insurance!

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Citation for #7 –

By on | Posted in: Buying a Policy, Health Tips

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November is diabetes awareness month and as it is a growing epidemic in the world we live in currently, it’s important to understand what it is. An estimated 23.6 million Americans are currently diagnosed with diabetes. Some 5.7 million Americans are currently living with this disease and do not realize it. 57 million have prediabetes, meaning they are at risk of developing the disease. An estimated 65% of those with diabetes will die of a heart attack or a stroke.

What is Diabetes?

Diabetes is a group of metabolic diseases that occur when the pancreas doesn’t produce enough insulin or the cells of the body don’t respond properly to the insulin being produced. This results in high blood sugar. There are three main types of diabetes: type 1, type 2 and gestational.

Type 1 juvenile onset diabetes

is where the pancreas is not capable of producing insulin. The body’s immune system destroys the pancreas’ beta cells – which are needed to create insulin. Insulin must be injected into the body of an affected individual by a pump or manual injection.

Type 2 adult onset diabetes

is caused by a resistance to insulin in which the body’s cells fail to use insulin properly. As a result of this, the pancreas will slowly lose its ability to create insulin. This is the most common type of diabetes as 90 to 95% of all adult diabetes cases are all type 2.

Gestational diabetes

(glucose intolerance during pregnancy) is usually temporary and is resolved after a woman’s pregnancy ends. The high glucose levels during pregnancy may cause the development of permanent type 2 diabetes.

Living with Diabetes and Getting Life Insurance?

Are you looking to buy life insurance but are unsure of what you’re facing with diabetes as a factor? There is good news! If you’re living with diabetes and are taking proper precautions to keep it under control and going to your physician regularly to check up on your condition, you’re good to go ahead and apply! The life insurance company you apply with is going to look at things such as: when you were diagnosed and what your diagnosis was, the age of diagnosis, the course of your disease, what type of treatment your response to that treatment, if there are any other medical conditions present and so forth.

When you’re applying for a life insurance policy, it’s very important to have all your doctor’s names, addresses and phone numbers. It’s good to make sure that those doctors have copies of all your records regarding treatment, follow ups, etc. Also good to have a list of all medication and the information of the prescriptions you’re taking. Tip: Don’t skip any follow ups with your doctor! Life insurance companies are looking at those as well.

Life insurance premiums are typically lower for people who diet and exercise and/or keep their diabetes under control with medication. Premiums typically are higher for those who are not visiting their doctor regularly or if your A1C is not under control.

So, you are definitely able to qualify for coverage living with diabetes! The approval and rating class you are placed with is different for each life insurance company. Your life insurance agent at 1st Option Insurance can help you out with figuring out which company is the best for your situation.

You can find more information about Diabetes by clicking here

Ena Kalkan is a staff writer at 1st Option Insurance for Insurance News, a personal finance website. The source for life insurance


By on | Posted in: Health Tips

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Most people don’t realize how important life insurance is for you and your family’s protection. It’s even better buying life insurance when you’re younger because it is pretty inexpensive at that time in your life. Rates are typically low, such as $20 or less for a 30 year old woman who wants a $500,000 term life policy for 20 years.

Waiting on buying a life insurance policy is where some people go wrong. Aging, plus health issues, as well as other lifestyle concerns, are were the prices start to get higher and higher. If that same 30 year old woman decided to wait to get life insurance by the age of 45 or so, she would be looking at roughly about the amount of $40+ per month! A history of heart disease in her family and prescription for blood pressure would also raise the same policy at about $50+ a month.

If you do not currently have a life insurance policy and the insurance company discovers an health issue, it is always better to take the offer and change the amount or term to fit in your budget. After you have the policy inforce have your agent shop the other insurance companies for you to see if another insurance company comes in better. If no one comes in at a better rate work on your health or lifestyle issue that caused the problem.

If you already have a life insurance policy and you know your health has significantly improved since your last policy, ask to be re-rated! Although, not guaranteed, it definitely won’t hurt to ask and at no cost to you! If you’re worried about, “What if they discover something new in the process of my re-rating? Will my current rate go up?” The answer to this is simply, no. Your rate will stay the same, if anything.

So, what are life insurance companies looking for in particular?

Here are the 3 Factors you can change to receive a better life insurance rate:

  • Weight loss
  • Quit smoking for at least 12 months
  • Your medical condition has improved

Weight Loss

Life insurance companies are very particular when it comes to their certain guidelines, each different for every carrier. Being overweight or obese is a major risk factor for each life insurance company. This is due to the many serious health problems that coincide with being overweight, such as having a stroke or a heart attack. So, losing weight and keeping it off is very good, not only for yourself, but also to get a re-rating!

Quit Smoking!

This is a big NO in the life insurance world. If you are smoking and you want life insurance, it’s in your best interest to kick the habit. Most of the time, life insurance companies will want you to have quit smoking for about a year, others such as transamerica will want you to have stopped for 2 years. After a few years of quitting your habit, you will qualify for a ‘nonsmoker’ rating, which will decrease your premiums significantly.

No More Medical Problems

If losing weight or smoking are not the root of your problems when it comes to life insurance, but instead your health conditions (such as depression, anxiety or blood pressure) these are conditions that CAN be taken care of through the use of medication. If you have been prescribed pills, please take them. Your insurer will most likely give you a better rate than before once they see it’s well managed and under control.

Losing weight, quitting your smoking habits, and managing your medical conditions are 3 factors you can change to get a re-rate! But keep in mind, not ALL changes will be accepted for a request for re-rating. It would be best to talk to your agent to figure out what would the best step to take to be considered for a re-rate.

You can go to, they are the king when it comes to finding the lowest price and helping consumers re-rate their health to lower the cost of life insurance.