Walk 10 Minutes a Day and Increase Your Fitness Level Old thinking was to work out in a sweat-filled gym for hours a day. No pain, no gain. New studies show that even short bouts of activity can increase your fitness level, especially if you’re new at working out.

Park and Walk
Whenever you have an errand, park your car as far away as you can handle and walk to the store. At the mall, park at the farthest end and walk the length of the mall. Use every opportunity to walk. At the end of the day, it all adds up to better fitness.

Crunch in Bed
Before you even get out of bed in the morning, do 10 stomach crunches while lying flat on your mattress. Increase daily by one until you get up to 100. Think you’ll never get there? Try it. You may eventually have to set your clock to wake up 15 minutes earlier, a small price to pay for a flatter stomach.

Life insurance does not apply to everyone; if you live alone and no one relies on your support in any shape or form then you probably will be wasting your money. If however you do provide some form of support whether it is financial or physical then you should certainly consider taking out life insurance as if you where to suddenly die, they could still receive support.

By paying small premiums each month you could ensure your loved ones would be well looked after in the event of your death.

There are two main types of life insurance, whole term and life term, both cover different things and suit different people.

Whole life insurance

This is pretty much exactly what it sounds like, the policy covers you to whatever age and pays out the amount set at the beginning of the cover, the premiums are usually a lot higher than term insurance

Term insurance

This type of life insurance cover will only cover you for an arranged set of time and depending on the length of time will depend on how much you will pay in your premiums.

Normally the amount of time is however much is left on the mortgage or however long it will take for your children to reach 18, if you happen to die outside the agreed time then your loved ones can expect no payout.

Due to the flexibility of term insurance, there are many policies that fall under its title such as level term insurance, increasing term insurance and decreasing term insurance.

Level term insurance has steady premiums for an agreed payout but again, it will only payout if you die within the agreed time.

Increasing term insurance has higher premiums to pay but you are rewarded with a higher payout which increases as the years go by. Its sister policy, decreasing term insurance works the opposite way, the lower premiums you pay then the lower payout becomes each year that your loved ones will receive.

Due to the insurance companies set to pay out thousands of pounds for a claim, they will try everything they can to find loopholes in your policy so you need to ensure that you do everything by the book.

Some policies state that they will not pay out if you die whilst partaking in dangerous sports, ensure you thoroughly read your policy.

Lying on your policy will result in it becoming void, declare that you smoke if you do or if you have any medical conditions as they will all become clear once you die.

It is best to seek professional advice before you commit to a life insurance policy.