5 Lifestyle Apps to Help You Get Cheaper Life Insurance
Jessica Bosari, Contributor 
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Life insurance is necessary for every family. It can provide a sense of security as well as assure that your goals for your family can still be met even after you’re gone. Yet, for all these benefits, a good life insurance policy can be quite expensive. While you do not want to skimp now and leave your family vulnerable in the future, there are ways to lower your premium prices without sacrificing good coverage. Here is a list of lifestyle factors that you can improve to make your life insurance cheaper as well as apps that can help you achieve your goals.Smoking can lower your life expectancy by decades and makes you a higher risk for life insurance companies, resulting in higher premiums. To lower your costs and achieve a longer life span, quitting smoking is a great step. The Quitter app for iPad and iPhone offers smokers the opportunity to track how long they have gone without a cigarette. It also tracks the amount of money saved as an additional motivation.
2.) Lose Weight
Overweight and obese individuals are at higher risk for heart complications, diabetes, and certain types of cancers. All of these factors can have a detrimental result on your life insurance rates. Even just losing 10% of your body mass can have a profound effect on both your health as well as your insurance premiums. Lose It! is an app that allows you to set concrete weight loss goals and establish a daily calorie budget to keep you on track.
3.) Reduce Alcohol Intake
Not only can heavy alcohol usage cause problems with your liver and kidneys, it also puts you at greater risk for certain types of accidents as well. While small amounts of alcohol have proven health benefits, being a heavy drinker can make your life insurance premiums skyrocket. The iDrinkulator app tracks your alcohol intake and then tells you how much money and how many calories you are spending to drink. Seeing your alcohol consumption in solid numbers is a huge motivation to cut back.
4.) Improve Driving Habits
Simply getting behind the wheel of a car puts you at risk, but this is increased if you are an unsafe driver. The Driver Feedback app by State Farm Insurance records dangerous driving practices and plots them on a map to show you your weaknesses as a driver. You can even compare yourself against other profiles for even more tools to improve.
5.) Increase Credit Score
While it doesn’t seem like getting your finances in order can make a huge difference in your life insurance rates, studies have proven that those with lower credit scores are at greater risk for health complications. To get a handle on your finances and get your bills paid on time, apps like BillMinder can get you on the right track to a healthier credit score.
By making changes to your lifestyle habits, you can make a big difference in your term life insurance rates. Not only will you save money, but you will breathe easier and live better as well.
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Jessica Bosari, Contributor 
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