The Ledger:
Forget those New Year’s resolutions to lose weight or take up Spanish. In the interest of flexing your financial muscles, we tapped a number of experts for their best recommendations on savings, insurance, wills and estates, and financial planning. Read on for their routes to fiscal fitness in 2008.
Prepare For Calamities
1. If you’ve been on the same individual family health plan for several years, consider applying with another carrier. If healthy, you’ll likely get a lower rate than you previously were paying and a 6- to 12-month guaranteed rate to boot.
2. If you are married and one spouse is five to 10 years younger, list the younger spouse as the primary insured on your family’s health plan. Monthly premium rates are determined by the age of the primary spouse.
3. Reconsider your term life insurance. Perhaps you were a smoker but have successfully completed a smoking-cessation program and now qualify for nonsmoker rates. Maybe you’ve lost considerable weight and kept it off, which also could result in lower premiums.
Subscribe 
