(Pacifica Insurance Underwriters Inc.) — When a person decides to make a real conscious effort to live a healthier lifestyle, often, their goal is to feel and look better, and in some cases, it is due to medical advice. What many do not realize is that in the endeavor to move towards healthier living other perks not typically considered at first will naturally follow.
To lead a healthy lifestyle offers a wealth of rewards, improving both physical and mental health, and often results in significant financial benefits. There are an endless number of resources to ensure you have a variety of options and paths to choose from to succeed in your journey towards optimal health, which insurance professionals fully support and encourage.
In the case of insurance, maintaining good health can have a significant impact on premiums, especially for life, medical, vision, and dental insurance — choosing to invest in yourself and a healthier lifestyle can mean savings and improved coverage.
For consumers, health insurance has become a bare necessity as it helps to extend access to healthcare at home and abroad and ensure affordability. Pacifica Insurance’s partners in the health insurance industry share in its goal of continuously improving the member experience and advancing programs, platforms, and networks to guarantee that dollars are stretched as groups invest in health coverage.
Pacifica Insurance sincerely believes that health truly is wealth.
Health and life insurance
Pacifica Insurance offers health insurance for commercial groups and life insurance for both individuals and commercial groups.
Health insurance is not a universal, one-size-fits-all product. Commercial health groups have varying demographics, coverage needs, and financial capacities that require health insurers to work closely with plan administrators to establish a product that will work with their membership — and in the process, center of it all, are access to healthcare and excellence in member experience.
Life insurance is a product that can work with even the smallest investment budget and allows for coverage flexibility. It is recommended to meet with a life agent for professional consultation and to find coverage that fits. For individual life coverage, depending on desired coverage and other factors, some life policies will require a medical review — an excellent, healthy medical report could make a world of difference.
Some employers include health, dental, and life insurance in their compensation and benefits package that would typically guarantee an employer share in premiums. Contribution programs towards premiums are usually determined by the plan administrator or the employer following specific guidelines, but as a benefit of employment, members can expect to save money by taking part in the group enhanced benefit.
