4 Healthy Steps to Improve Sleep for the Sleep-Deprived

4 Healthy Steps to Improve Sleep for the Sleep-Deprived

Many of you already know how important a good night sleep is for your body. Getting that perfect snooze allows the body to metabolize and regain its strength. However, as more studies are published about sleep, researchers continue to discover that it actually involves more than just rejuvenating your body. It is also linked to improving your mental health and overall defense against disease.

There are other related researches that have established how sleep deprivation can affect your health negatively. According to the National Heart, Lung and Blood Institute, sleep deficiency makes you prone to heart disease, kidney disease, high blood pressure, diabetes, and stroke. On that note, now may be the best time to take steps to improve your sleeping habits to avoid these health issues. These four simple and healthy ways might just help you out.

Cutting Caffeine

You are probably aware of how caffeine affects your nervous system. If your love for coffee gives you sleeping problems, the easiest solution is to just quit it entirely. However, it turns out that most common resources available in the market today have a hint of caffeine. From your favorite cup of Joe, to diet pills and pain relievers, this psychoactive drug is hard to quit entirely. The best you can do is to regulate your intake.

Caffeinated drinks such as coffee work to your advantage when you drink them in the morning, since they help you to be sharp and attentive as you begin your day. When you drink them in the later hours of day, it can make it harder for you to get a good night’s rest. Therefore, it is necessary to periodically examine your caffeine intake schedule.

Mayo Clinic notes that 4 cups of coffee a day is too much. Doing so can lead to negative side effects such as migraines, stomach aches and nervousness. Professionals advise to stick to a maximum of two cups within the first half of the day. In the same way, while the number of cups in a day can give you a good estimate, you can get a better sense of your caffeine use by paying attention to the labels of the food and beverages you eat.

Again, since caffeine is often found in beverages, checking the label on products is a good way to keep yourself on track. Food items such as protein bars, ice cream and even yogurt can contain caffeine, so it’s best to also take note of these. In addition, whatever caffeine level your body is at, it is recommended that you start cutting back gradually so that your body can get used to lower levels of caffeine and avoid any form of unwanted withdrawal symptoms.

Optimal Sleeping Environment

Better Health Channel states that sleep deficiency may occur from stimuli in your sleeping environment. One of the most notable concerns is room temperature. Have you ever wondered why you sleep faster when you have a cooler environment?

Sleep.org seems to have found the answer. The National Sleep Foundation-funded group has noted that the body works like a thermostat, reducing its temperature to a certain point that allows you doze off more comfortably. This means that the cooler your bedroom is, the faster you can get to Rapid Eye Movement (REM) Sleep.

Then again, there are limitations to how cold a room should be. The organization adds that the suggested bedroom temperature for comfortable sleep ranges between 60 to 67 degrees Fahrenheit. Put your room in that temperature range and you can surely doze off faster.

Another environment stimulus is sound. Sound can both have positive and negative effects for your sleeping behaviors depending on the levels and types present. Soothing sounds such as low-level and low-pitched noise can help induce sleep. These are generally called white noise.

White noise can moderate intermittent disturbances and deliver a consistent backdrop for more tranquil rest. Because of its proven advantages, companies have put white noise-producing machines onto the market. You can to buy one and see if it works for you.

As opposed to soothing hums, there are sounds which can disrupt your sleeping pattern and keep you restless all night. Whether it’s the horn sounds of cars in traffic or the annoying snore of your bed partner, there are ways you can go about eliminating these noises. You can start by closing windows and doors to lessen the volume of unwanted sounds from the outside. As for your snoring partner, you can get a good idea about anti-snoring solutions from withoutsnoring.com and see what is best.

Zealous and Active Lifestyle

Exercise is another good way to improve your sleeping habits. While most of you already recognize how exercising helps the body by promoting faster metabolism, it helps reduce the risk of sleep deprivation by burning calories.

As mentioned earlier, for sleep to happen, the body lowers its level of temperature to a certain point. According to Sleepfoundation.org, when the calorie burning process is imitated, the body heats up to a certain temperature. This prompts a body temperature drop after the workout, which can help bring about sleep.

An active lifestyle also enhances sleep quality and increases sleep duration. As you exercise, you tend to diminish your stress levels. It also tires your muscles, which later on will demand that you take a break, and get some rest. As such, it important to consider your sleeping pattern when you plan your workout schedule.

Early morning exercises are typically the best option if you want to be consistent, since early workout averts any chance of you cramping up your schedule and succumbing to school or work demands. Plus, working out in the morning gives your body enough time to gradually relax and calm down before you naturally fall asleep.

On the contrary, experts advise that you shouldn’t work out late in the evening or right before bedtime. Since you are raising your temperature when you exercise, you may find it harder to sleep. What you can do is try out yoga and simple stretching, which can help you relax without much physical stress.

Healthy Diet

A delicious and healthy diet can surely have you dreaming in bed in no time. Conversely, an unbalanced diet can haunt you in your dreams.

How exactly does food affect how you sleep? It is important to know that there are key nutrients that you need in order to have a nice, peaceful rest.

Diets low in vitamin D, butanoic acid, lauric acid, and lycopene are linked with difficulty staying asleep. Researchers have also connected sleep troubles with diets low in calories, carbohydrates, vitamin C, and potassium. Also, dehydration negatively affects the quality of your sleep. With all of these in mind, you can now get a better sense of what food you should eat to help you finally get your well-deserved beauty rest.

Aside from the abovementioned nutrients, Readers Digest has also noted some of the foods that can help you fall asleep faster. Atop the list are walnuts and almonds. The magazine indicates that that walnuts are a good source of tryptophan, a sleep-enhancing amino acid that helps make serotonin and melatonin, the “body clock” hormone that sets your sleep cycle. Almonds, on the other hand, are rich in magnesium, a mineral needed for quality sleep and a known headache remedy.

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11 Tips To Help You Quit Smoking

11 Tips To Help You Quit Smoking

Quitting something that you’ve done religiously, like smoking, is definitely a hard task. It’s not easy to let go of something that gives you a sense of relief. However, since smoking can take a major toll on your overall health and body, the time to act is now. Here are 11 tips that can help you in your journey to quit smoking.

Understanding the word “commitment”

Like everything else, it all starts with your commitment. There’s a vast difference between wanting to quit and deciding to quit. If you want to really quit smoking, you have to understand that real commitment includes a definite decision to quit, with a practical plan of action.

Taking it one step at a time

One thing that leads any person with addiction down a slippery slope is that they quit without even planning. Unfortunately for smokers, this is hardly possible from both a mental and physical perspective.

The idea that an addict has to live the rest of his or her life without the substance is oftentimes overwhelming and fear-inspiring. The rest of one’s life can seem like a long time, and quitting requires a huge commitment. This psychological hurdle often dooms most quitting attempts before they even gets off the ground. The key to avoiding this pitfall is to take it one day at a time. Make a fresh commitment every morning to be nicotine free. Tomorrow’s challenges and concerns cannot and must not be carried today.

Also, it is physically challenging to quit smoking in a snap. Nicotine is something that chain smokers long for, and because of that, smoking isn’t really something that you can get out of easily. Try to slowly reduce the amount of smoke you puff on a daily basis, and you won’t lose sight of your goals.

Get back on track immediately

Your journey to getting off smoking is not an easy ride. If a slip-up occurs, recommit to the quitting process immediately and get back on track with your action plan. The sooner you get back on the path to recovery, the less of a setback the slip-up would be.

Exercise

You’d be surprised how exercise – and living a healthier lifestyle in general – can actually help you quit smoking. Even simple, moderate exercise can be one of the simplest and most effective ways to deal with nicotine cravings.

Exercise provides a constructive substitute activity for the addiction. It results in the release of endorphins, the body’s internal feel-good chemicals. When your body pumps endorphins, it offsets the nicotine cravings by elevating your mood, combating depression and reducing stress symptoms. Moderate exercise of 15–30 minutes can reduce nicotine cravings for up to 50 minutes afterwards.

Exercise can also improve the body’s oxygenation and blood circulation, leading to improved healing and overall recovery. Regular moderate exercise can also help combat the weight gain often associated with giving up the use of tobacco products.

Drinking plenty of water

Water flushes out the toxins that are being removed by the liver and kidneys during your nicotine detoxification. It also ensures that the blood remains well-diluted, which is essential for optimum brain and body organ function. The more effectively you flush out your system with clean water, the faster your body can remove the poisonous tobacco toxins.

Most people need at least two liters of water a day to maintain healthy body function. While you are cleansing your body from nicotine, you may need to increase this amount to two-and-a-half or even three liters per day.

Natural remedies

There are indeed natural remedies that can help with quitting smoking. Hydrotherapy, for example, is the science of using water to treat disease and invigorate the body. However, it can also alleviate cravings and boost the efficiency of the body’s immune system.

Medicinal charcoal also actively draws impurities and toxins to itself. These harmful substances then become trapped inside the charcoal grains’ porous, cave-like indentations and tunnels. When the body eliminates the charcoal, the impurities that have become trapped inside its grains are also eliminated.

Charcoal tablets are available from pharmacies and supermarkets. Powdered charcoal, which is more effective due to its larger surface area, is usually only available from health stores. Simply mix one or two tablespoons of charcoal powder in a glass of water and drink it. Remember to drink plenty of additional water afterwards, since charcoal can cause constipation when taken with inadequate amounts of water.

Surrendering other substances

Tobacco use is often accompanied by the use of other addictive substances, such as alcohol, caffeine and, in worse cases, illegal drugs. This relationship is more than incidental. While the effect on your body varies from substance to substance, the net effect of increasing dopamine in the brain is common.

Dopamine is the brain chemical responsible for the sense of reward, and this is mainly what drugs bring to the table because they give you that feeling of being “high”. However, this damages the reward pathway, causing cravings that lead to addiction as users seek a heightened experience. When tobacco is used in connection with alcohol, caffeine, or illegal drugs, the high is amplified, leading to increased damage of the reward pathway where the dopamine neurons are situated.

For the best chance of long-term recovery, it is important to quit using any substances that artificially stimulate and cause damage to the reward pathway. To optimize your chances of staying nicotine free, include the discontinuation of taking in alcohol, caffeine, and illegal drugs in your system.

Choosing other options

It is said that smoking addiction consists of at least two components. The chemical dependence on nicotine, and the ritual. The ritual aspect refers to the behavior patterns each smoker follows when lighting up a cigarette, such as reaching into the pocket for the cigarette pack, lighting up and the hand-to-mouth process of smoking.

When quitting, it’s helpful to become aware of these behaviors and develop activities that can replace them. For instance, you could replace the box of cigarettes with a clickable pen. Whenever you feel the urge to smoke, you can retrieve the pen and click it a few times. Some people have found chewing on carrot sticks to be a constructive substitute for the ritual of lighting a cigarette.

Sometimes, concentrate vapes – more commonly known as e-cigarettes – can also serve as an alternative. They replicate the effect of smoking with less of the harmful effects.

Getting rid of paraphernalia that can remind you of smoking.

Sometimes, quitting from smoking could be really be hard if you can see paraphernalia just lying around your house. Get rid of ashtrays, lighters, pipes, cigarette packs, and whatever else you used to support the smoking habit. The elimination of visual representations of smoking can go a long way.

Getting adequate sleep and a proper sleep pattern.

One withdrawal symptom many people experience when coming off tobacco products is irritability. Going to bed after midnight seriously decreases the quality of your rest, which in turn causes irritability because of a reduced amount of growth hormone being produced for your body’s rejuvenation.

By simply shifting your bedtime to include at least two hours before midnight, you not only give yourselfbbetter sleep, but you can find that you’re able to better handle stress and be less irritable.

Find a support group

One of the most helpful keys to beating tobacco addiction is to have an accountability partner or a support group — someone you trust and can contact when you feel weak or need some encouragement to stay on course to freedom. This may be someone who has already beaten tobacco addiction. 

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Four Things You Should Know About Testosterone

Four Things You Should Know About Testosterone

There have been recent talks about new trends and research regarding testosterone. While there are still ongoing research on the matter, it is quite fitting to know more about the male sex hormone. Before you start Googling and watching videos on recent research about it, it is best for you to understand the basics about testosterone and its significance in your body.

Testosterone, or “T” as researchers (even lay people) call it, is a type of androgen produced primarily by the Leydig cells in the testes/testicles. It is a hormone – a chemical messenger – that is responsible for the development of male sexual characteristics. Females also produce testosterone, but usually in smaller amounts.

In essence, without adequate testosterone, men can become infertile. This is due to the fact that the process of spermatogenesis, or the development of mature sperm, requires testosterone.

From that alone, you would figure out that it is indeed important for to the body to be able to function effectively. It is in fact linked to a variety of aspects in the human body such as mood, overall physiology, and even your chances of getting certain illnesses.

Good “T” Means Boosted Bravado

It is quite evident that when you have higher levels of T, you have a higher sex drive. As mentioned before, insufficient levels of the male hormone can make a man infertile. On the other hand, researchers have found out that when a man does have good levels of testosterone, he tends to be more confident, more engaged, and more driven in every aspect of himself.

A recent research study from the University of Bonn indicated that T may provide men with a sense of self-assurance and quick mental response, especially during human interaction. What the researchers did was they gave 46 people testosterone gel to be applied, while another 45 test subject got placebo gel. After a certain period, they invited all 91 people back to roll dice in private and report the numbers they got, receiving an equivalent amount of money from their rolls. They noted that the men who had the T gel reported more honestly than those who didn’t. What can be concluded from this is that T may somehow foster honesty in people.

To add grist to the mill, researchers from Wayne State University compared two groups of men competing to win the attention of an attractive woman and found that men with lower testosterone didn’t even stand a chance. Men with the highest T-levels were more assertive, controlled the conversation, and clicked better with women.

While “T” is considered a man’s hormone, it helps ladies in a big way, too. According to a 2009 study from the University of Michigan, women with higher T-levels reported more positive sexual experiences. Researchers have found that women with high levels of the hormone found sex to be soothing, relaxing, and peaceful. Past studies have also shown that women with elevated levels have more sex and are more likely to achieve orgasm.

Low Testosterone Links to Obesity and Diabetes

Aside from the renowned libido-boosting advantage of testosterone, there have been many studies that suggest complications with health when you aren’t getting the adequate levels. An association between diabetes and low testosterone has been recognized by the medicine community. This comes from the observation that men with diabetes are more likely to have low testosterone. Vice versa, men with low testosterone are more likely to develop diabetes later on in life.

Testosterone helps the body’s tissues take up more blood sugar in response to insulin. Men with low testosterone more often have insulin resistance. They need to produce more insulin to keep blood sugar normal.

Statistically speaking, approximately 50 percent of people who have diabetes have low testosterone. Scientists aren’t sure whether diabetes causes low testosterone, or the other way around. More research is needed, but short-term studies show testosterone replacement may improve blood sugar levels and obesity in men with low testosterone.

The same case has been established with obesity. Fat cells metabolize testosterone to estrogen, thus lowering testosterone levels. Also, obesity reduces levels of Sex Hormone Binding Globulin (SHBG), a protein that carries testosterone in the blood. Less SHBG means less testosterone.

In this regard, losing weight through exercise can increase testosterone levels. Testosterone supplements in men with low testosterone can also reduce obesity. If you are at risk, you should take a look at the best T-supplements out there. Check http://supplementyouneed.com/top-5-testosterone-boosters-with-reviews/ to learn more about the supplement and know what type fits you and your specific needs.

Testosterone Is Equal to Stronger Bones and More Muscle

Testosterone plays a huge role in bone mineral density. This comes from the fact that bone density declines as men age and testosterone levels drop. This raises the risk of weak bones and osteoporosis.

Research shows that bone density increases with testosterone treatment given that the dose is high enough. Clinical trials on the effect of testosterone on bone density have determined an increase in spinal and hip bone density. Similarly, another study on females transitioning into males found that testosterone increased bone mineral density. However, it’s unknown if testosterone can help with reducing fracture risk.

Furthermore, testosterone is responsible for increased muscle mass. Leaner body mass helps control weight and increases energy. For men with low testosterone, studies show that treatment can decrease fat mass and increase muscle size and strength. Some men reported a change in lean body mass but no increase in strength. It’s likely that you could see the most benefits when you combine testosterone therapy with strength training and exercise. Now, if you do want to get that lean muscle supported by stronger bones, taking the right amount of T supplements may help you get there.

Better Mood and Memory with “T”

At a moment when you have low “T”, the natural effect in your body would be low sex drive and weight gain, as mentioned above. Its effect on your psychology may even be way worse, causing you to feel more pessimistic and lose your sense of confidence. Plus, there is also evidence of a more direct effect of low testosterone on your mood.

According to research in the Endocrine Journal, 23% of young men with newly diagnosed low testosterone met the criteria for depression, compared to only 5 percent of young guys with normal levels of the hormone. Research backed that claim as showed in a study of almost 4,000 men older than 70. Those who had the lowest testosterone levels were twice more likely to be depressed. Given the data, the relationship of testosterone with one’s mood remained in spite of the person’s age, general health condition, obesity, and other variables.

Empty testosterone receptors in brain areas linked to mood are likely responsible for your depressed state. On top of that, mood disorders like depression or anxiety can kick off a vicious cycle. Depression can suppress your testicles’ ability to produce testosterone, worsening the problem.

Many studies are showing that men with higher ratios of total testosterone have a reduced incidence of Alzheimer’s disease. There’s also evidence for a strong correlation between testosterone and thinking abilities such as verbal memory and faster mental processing speed. Testosterone treatment for men 34 to 70 years old has shown an improvement in spatial memory. Ultimately, to goal is to maintain, if not raise, the levels of your testosterone as much as possible at any stage of your life.

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7 Early Warning Signs of Diabetes

7 Early Warning Signs of Diabetes

Diabetes is a hard battle. Time and time again, people are reminded everywhere how difficult it is to have this ailment since it takes a long time, if not a lifetime, to address and treat it. It becomes doubly hard in the long run as practically all diseases are more difficult during old age.

What is Diabetes?

According to Google, diabetes is “a metabolic disease in which the body’s inability to produce any or enough insulin causes elevated levels of glucose in the blood.”

Diabetes

What makes diabetes difficult as an inflicted person’s age increase is the possibility of getting various complications that this ailment can lead to. This is why most doctors say that prevention is better than cure when it comes to diabetes.

This begs the question, “what are the early signs of diabetes?” and “how can I address diabetes symptoms as early as possible?

The Two Types of Diabetes

The first thing to know about diabetes in order to manage it is to understand that there are actually two different types of diabetes. Basically, patients who have diabetes are either the ones who totally lack insulin (type 1 diabetes), or those who have too little or cannot use insulin as their body needs to (type 2 diabetes).

Type 1 diabetes (formerly called juvenile-onset or insulin-dependent diabetes), accounts for 5 to 10 out of 100 people who have diabetes. According to Webmd.comIn type 1 diabetes, the body’s immune system destroys the cells that release insulin, eventually eliminating insulin production from the body.” In the grand scheme of things, the cells in the body cannot absorb sugar – which they need to produce energy – without enough insulin.

On the other hand, type 2 diabetes (formerly called adult-onset or noninsulin-dependent diabetes) can develop at any age. Its symptoms commonly become noticeable during stages of adulthood. However, the number of children who have this type of diabetes has been rising in recent years. It accounts for the vast majority of people who have diabetes from 90 to 95 out of 100 people.

With Type 2 Diabetes, the body isn’t able to use insulin the right way, thus making the absorption of sugar difficult for the human body. Clinically, this phenomenon is called insulin resistance. As the diabetes gets worse, the pancreas weakens and makes less and less insulin. This leads to a weaker body, rendering it more prone to further complications.

It is true that there are numerous ways to cure diabetes. Yes, you may think getting life insurance with diabetes through a company such as Big Lou is also enough to address your condition. However, it is still best to prevent it in the first place.

Remember – prevention is better than cure.

Signs & Symptoms of Diabetes

While both types of diabetes serve as the result of a long-term accumulation of unhealthy habits, there are early warning signs that manifest in the human body. These manifestations can help a possible patient to address the medical concern as early as possible. Here are tell-tale signs that could help one determine if he or she has diabetes.

1. Excessive Thirst and Increased Urination

Excessive thirst (also called polydipsia) and increased urination (also known as polyuria) are the most common noticeable symptoms of diabetes.

Fatigue.

When you have diabetes, excess glucose – sugar – builds up in your blood. As a result, your hormones signal the kidneys to be forced to work overtime. This is your body’s natural way to filter and absorb the excess sugar.

However, there will come a time when your kidneys can’t keep up. Thus, the excess sugar is excreted through the urine, dragging along fluids from your tissues. This triggers more frequent urination, which may leave you dehydrated. As you drink more fluids to quench your thirst, you’ll urinate even more.

2. Fatigue

Unusual fatigue is also an indication of diabetes. If you notice that you are more fatigued than you should be, perhaps you should be mindful of your sugar levels. While there are many factors that can cause fatigue, the inclusion of dehydration from increased urination and your body’s inability to function properly (since it’s less able to use sugar for energy production) is one of the symptoms of diabetes.

A woman sleeping at her desk.

3. Sudden Significant Weight Loss

Weight fluctuations also fall under the umbrella of possible diabetes signs and symptoms. As explained by the group of medical experts from Mayoclinic.org, “when you lose sugar through frequent urination, you also lose calories. At the same time, diabetes may keep the sugar from your food from reaching your cells — leading to constant hunger.

Since the body experiences “hunger at a cellular level,” unhealthy weight loss becomes an effect on the body, among other things. This is highly probable and frequent for patients who have type 1 diabetes.

4. Blurred Vision

Diabetes symptoms often involve vision. High levels of blood sugar pull fluid from many bodily tissues, and this does not exclude the lenses of your eyes. Because of the pulling of these fluids, the eyes’ ability to focus is heavily affected.

Blurred vision from diabetes.

Medical experts warn that if the condition is left untreated, diabetes can cause new blood vessels to form in your retina (the back part of your eye) and harm the existing vessels, eventually leading to blindness. Though it may start as just a mild discomfort, changes in your vision must be addressed right away to prevent them from worsening.

5. Slow-healing Wounds and Infections

The human body finds it hard to heal wounds when you are diabetic. Also, it is important to take note that while a wound heals slowly, wounds fester rapidly.

Being a diabetic means that blood glucose levels stiffen the arteries and cause the narrowing of the blood vessels. Poor circulation leads to decreased blood and oxygen flow to the wound, which decreases the function of red blood cells that carry nutrients to the tissues. Finally, without sufficient nutrients and oxygen, wounds heal very slowly.

In order to address this, Wound Care Centers.org advises that “eating a healthy diet and maintaining good nutrition will help to regulate blood glucose levels and also provide the essential vitamins and nutrients to enhance the healing process. Adequate protein, carbohydrates and vitamin C intake are important factors to aid healing.”

6. Tingling Hands and Feet

Excess sugar in the blood may lead to nerve damage. This is due to the fact that as much as any other systems of the body require, the nervous system also needs stable blood flow. You may notice the tingling sensation and/or the loss of sensation in your hands and feet if you have an extreme case of diabetes.

Also, unusual burning pain in your arms, hands, legs and feet may mean diabetes if there were no harsh physical activities that otherwise would have caused it.

Tingling hands.

7. Red, Swollen, Tender Gums

Diabetes may weaken your ability to fight germs, since antibodies are also distributed around the body through the circulatory system. Because of this, the risk of infection in your gums and in the bones that hold your teeth in place is also increased. The gums tend to pull away from your teeth, loosening their grip on the teeth and eventually losing them overtime. Your mouth may also develop sores or pockets of pus in your gums, especially if there is a preexisting infection in the gums even before the development of the diabetes.

If you notice these signs and symptoms of diabetes, immediately contact your doctor. Diabetes is a chronic disease that needs to be addressed as soon as possible, especially for older people since they will find it harder to fight it.

As such, the earlier the condition is diagnosed, the sooner a treatment plan can begin. Diabetes is a serious condition, but with your active participation and the support of health care, you can manage diabetes while enjoying an active, healthy life.

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Common Questions on How to Get Life Insurance with a History of Alcoholism

Common Questions on How to Get Life Insurance with a History of Alcoholism

One of the unfortunate realities of life is that as an adult, you tend to push yourself to the limit. When the hardships of career, relationships and family come knocking at the door, you may decide go for that one outlet which allows you to just take a break from these problems so you can finally take a breather.

alcoholism

Alcohol finds its way as one of these outlets. It might be the first thing you considered, as casual drinking provides a pathway to temporarily calm yourself amidst all these challenges thrown your way.

You are not alone in this thinking, as many other people find comfort in handling that whiskey on the rocks whenever they are feeling stressed. According to a United States survey, in 2014, 87.6 percent of people 18 and above reported that they drank alcohol at some point in their lifetime; 71.0 percent reported that they drank in the past year; and 56.9 percent reported that they drank in the past month.

It is easy to see that those who are just growing to be adults seem to grasp the same insight. However, the harsher reality is that you are more likely to develop a dependency to alcohol as time goes by. In the United States alone, nearly 14 million adults, or every one in 13, abuses alcohol or has a form of alcohol-related conditions. In addition, several million more partake in risky alcohol consumption that could potentially lead to abuse, and over three million American teenagers aged 14 to 17 have an alcohol problem.

The good news is that many of you are now aware of the huge benefits of undergoing rehabilitation and education about this problem. That is also why many are finding themselves surviving this chapter in their lives.

With that settled, your aim as a matured individual is to keep yourself as far from it as possible by keeping yourself healthy – in every aspect. This is the point you consider not only the physical, mental and social aspect of yourself, but also the effect of your health on your financial status.

too-many-drinks

As many of you would know, life insurance is one of the best approaches to keeping you secured from financial losses as you age. This is why it is important that you find the one that best suits your needs. However, before even getting a hold of the benefits of your investment, life insurance companies do rigorous background check of your health background to help them gauge their decision to approve.

However, as you have undergone a bad case of drinking in the past, you may be faced with various challenges at this point.  The fortunate reality is that in spite of all this, getting a life insurance with a history of alcoholism is still possible. That is why it is imperative that you are aware of the frequently asked questions regarding this matter.

Why does a History of Alcoholism matter to insurance companies?

Trying to find security with a history of alcohol abuse can be an intimidating task for a recovering alcoholic. This is because life insurance companies are aware of the health effects of alcohol on you.  Even though alcoholism is a condition that is not generally fatal, it can still lead to behaviors and outcomes that can cause early death.

dui

Companies see that your bad case of drinking may cause a higher chance of death by driving while intoxicated.

Another factor is that your likelihood of being in an accident and being impaired is highest when you are drunk. You are also more inclined to participate in activities that put you in dangerous situations that may lead to death or impairment, as well as criminal activity and incarceration, both of which produce shorter life spans.

As insurance companies tries to find business in the case of an alcoholic, giving life insurance to previous alcoholics may be somewhat a long shot. When a life insurance company issues a policy to anyone, they need to have assurance that that person will live for many years (for the client to pay for their premium for many years). Anytime there are any conditions that indicate early mortality, the company either increases the premium on the policy to compensate for the higher risk, or declines the policy outright.

What are the bases for insurance companies to determine if you were an alcoholic?

Companies most definitely want to know if clients ever struggled with alcoholism. In fact, when applying for a fully underwritten term or whole life insurance policy, you are asked if you have ever had a “history” of alcohol abuse.  This question is left intentionally vague so that the answer of what qualifies as “history”, is left for the applicant to determine.  Remember – insurance companies are not simply going to rely on an applicant’s “good faith” when it comes time to determining if they want to move forward with an approval.

talking-to-doctor

Insurance companies typically perform a medical exam whereby a blood sample will be taken.  This sample is used to screen for a variety of different conditions such as diabetes, hepatitis, AIDS, and for particular alcohol markers that may be present in someone who regularly consumes large quantities of alcohol.

A blood test is part of a routine health check in life insurance application process as it can indicate alcohol markers confirming consumption of large amounts of alcohol. An investigation of your medical records can reveal if you have ever sought treatment for alcoholism in the past. If you do have a history of alcohol abuse, the insurance underwriter needs to determine whether you are a recovering alcoholic, or a current alcoholic.

How do you prepare yourself to getting that life insurance even with this history?

When you apply for life insurance, what they are actually doing is applying for 1 of 16 different rate classes that an insurance company will use to determine if they wish to extend coverage to an individual.

The top 4 rate classes are Preferred Plus, Preferred, Standard Plus, and Standard.  Below a standard rate class is considered “high risk” and depending on who you apply with, this may mean that you may no longer be eligible for traditional term or whole life insurance coverage.

This is why recovering alcoholic needs to be particularly careful when applying for life insurance.

There are important measures you can take to prepare yourself before applying for term life insurance. Doing so can help your chances of getting approved at the best rating class possible.

insurance-agent

Beyond maintaining your health, the single most important decision you have to make is choosing a life insurance broker who can work with you. Any time you have any kind of health condition, a good insurance broker guide you on what you need to do to achieve a favorable result on your application for life insurance .

The broker you chose serves as the one who will work with you in searching, assisting and dealing with dozens of different life insurance companies, rather than just one. The broker knows which insurance companies are more likely to approve a person with a history of alcoholism – and which companies might be better to leave out from your list.

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