Personal Insurance Blog

Coffee, You, and Your Insurance

Know how coffee affects your life insurance with andrew gordon incWhat are the odds that you had some form of coffee today? There's more than a 50% chance that you did (Coffee Statistics). Now, some people believe that coffee is extremely bad for your health, while others argue for its merits. We'll explore both sides of the argument today so you can better inform yourself of your (healthy? dangerous?) habit.

Pros to Coffee

1. It's delicious. Some people just absolutely love the taste. And now, so many different flavors of coffee are available (hazelnut, french vanilla, caramel, blueberry, etc.). If you don't like one flavor, you can always try another until you've found your perfect match.

2. Health benefits. We've all heard people claim that coffee is bad for you. Surprisingly enough for those people, there are certain health benefits that have correlated with drinking coffee, such as delayed development of Alzheimer's disease and prevention/removal of depression. Talk about some positive aspects, right?

3. Focus. Coffee can actually help people focus, and we want to be productive at work and not absent-minded on the road. If a cup of coffee helps the world be a better, safer place, then coffee is certainly the way to go.

Is coffee addiction affecting your health life insurance Andrew Gordon IncCons to Coffee

1. It's addictive. Caffeine, the oh-so famous ingredient of coffee (excluding decaf), is a drug, just like nicotine found in cigarettes. The only difference here is that coffee hasn't been linked to nearly as many health problems as smoking cigarettes has. No matter, the caffeine is an addictive drug, and regular coffee drinkers will eventually feel the need to have caffeine.

2. Health risks. Coffee has been linked to health risks such as insomnia and depletion of naturally developed neurotransmitters. People don't sleep enough as it is in this busy world; coffee only aids to that. Caffeine replaces neurotransmitters in the brain, but scientists claim that by replacing these neurotransmitters, the body will no longer produce them on its own.

3. Your wallet. If you brew your own coffee at home, then you save quite a bit of money. Coffee drinkers that buy at Starbucks, Dunkin Donuts, and other coffee shops spend quite a bit. Even if your coffee order isn't elaborate, and if you choose not to buy a breakfast sandwich or a bagel, you spend anywhere between $10-$20 on coffee a week. Multiply that by 50 (if we allow you two weeks vacation time), you could spend $500-$1000 on coffee in a single year. Yikes.

Know how coffee affects life health insurance with Andrew Gordon Inc

Coffee and Insurance

And finally, (here's the insurance part!) if you are going to be going through a medical exam for life insurance, the caffeine from coffee will cause you to have high blood pressure and an increased heart rate. This only adds to the costs of life insurance. Life insurance is one of the most complex forms of insurance, and many, MANY factors go into determining it. Heart rate and blood pressure are two of the aspects, and drinking coffee will only increase these.

You might scoff at the idea that coffee could affect your life insurance. However, coffee can affect your insurance because whether you consider it to be positive or negative, caffeine from coffee does affect your health.


Is Coffee Bad or Good for Your Health? (Huffington Post)

Coffee and Health Website

Top 15 Effects that Coffee Has on Your Health

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