The advent of the digital age has made work easier and convenient. But cutting-edge technology has a dark side too. It has brought with itself a sedentary lifestyle, which, in turn, results in a slew of lifestyle diseases.
If you, too, are suffering from a lifestyle disease then you must immediately take two crucial steps: inculcate discipline for a healthy lifestyle and zeroing in on the best life insurance policy. Even if you are young, and do not suffer from a lifestyle disease, considering the magnitude of the prevalence of these diseases, you must consider living a healthy lifestyle, along with getting a life insurance policy.
Understanding lifestyle diseases: Lifestyle diseases are Non-Communicable Diseases (NCDs), attributed to a stressful professional/personal life and unhealthy habits. These diseases are further aggravated by addictive choices, like tobacco and alcohol. Lifestyle diseases include obesity, cardiovascular ailments, respiratory anomalies, diabetes, hypertension, hormonal disorders, allergies etc. Earlier, these diseases mostly affected the elderly. But, now an increasing percentage of the country’s young population is suffering from various lifestyle ailments, cutting short their productive work span and overall age.
The harsh reality: The statistics back this up, and overwhelmingly so. The statistics provided by various reports are startling: 26% of the deaths in India are attributed to heart ailments, while India is on the verge of becoming the global Diabetes capital, with every 12th Indian suffering from high sugar levels. India has 35 million asthma patients, and 1.73 million new cancer cases are detected every year. Of the total number of deaths in India, 61% occur because of lifestyle diseases.
How can a life insurance policy benefit people suffering from lifestyle diseases?
Provides financial succour to your dependents: If you have already been diagnosed with a lifestyle disease, then you must develop a contingency plan, which can provide your family—including spouse, children and elderly parents—with financial support, for when you are not around to provide for them. This is especially crucial for those considered to be the breadwinner of their family. A life insurance policy protects your family from any financial liabilities and allows them to maintain their lifestyle, even in your absence.