Hotetov.com

Summary
An interesting new product has been developed by Animal Friends Insurance. The life insurance policy offers lower premiums to vegetarians, based on evidence that they are at a lesser risk than their carnivorous counterparts of developing certain illnesses. It remains to be seen whether other insurance firms will follow the lead set by Animal Friends Insurance .

A not-for-profit insurance business has launched an insurance policy which offers vegetarians and egg eaters a reduced premium life insurance.

The offer, thought to be the 1st of its kind, is being brought to the market by Animal Friends Insurance (AFI). The company is offering veggies a 6% reduction in priceon mortgage cover premiums
The firm said that veggies ought to pay a lesser cost for the product, which pays out if the customer dies, because they were more unlikely to suffer from a list of critical illnesses, including some cancers.

Elaine Fair, the managing director of AFI, claims that the danger of veggies being diagnosed with certain cancers is lowered by up to 42% and the risk of them suffering from heart disease is lowered by up to 32%, but despite this they have, until now, had to pay the same insurance costs as plan holders who eat meat.
She says that AFI believe that this is not fair and says the life organisations should recognise the idea that being a veggie can make have a significant effect on life expectancy and reduce its charges accordingly.

A standard price arrangement is also on the market for meat eaters. Both policies are brought to the market by LV=, which used to be known as Liverpool Victoria.

In common with standard life plans, a range of things contribute to the cost of the monthly premium including whether the applicant smokes, their age, weight and sex.

Currently at the moment, AFI is making the 6% discount itself from the payment it earns from from LV=. In the future, however, the company’s objective was to offer lower costs on specialist insurance cover. In the company is hoping to sign up enough veggies to make it viable for LV= to underwrite another plan that takes the vegetarian’s diet into account.

Indeed there are huge savings to be made, a thirty eight year oldnon-smoker purchasing £300,000 worth of life insurance might potentially save £393.60 over a 20-year term.

Where cheap life cover is concerned, AFI thinks that life insurance companies should start to treat those that like meat and non-meat eaters in a way that is similar to the way they assess non-smokers and smokers. Hopefully others in the insurance industry will take the same initiative.

It is thought that some executivesin the insurance industry do not believe there is verifyable proof that vegetarians live longer, and how any insurance company would know that people who had stated that they were veggies did not sometimes enjoy the odd lamb chop.

It’s true that when it comes to smoking there are GP records - if you now don’t smoke it’s possible that your GP will be aware. But this isn’t the case when it comes to eating meat, an insurance executive observed.

But many veggetarians say that they are not worried about people falling off the vegetarian wagon and suggested that once a vegetarian has become a vegetarian, they do not go back to meat-eating, that is unlike smokers who tend to drift in and out of their habit.

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