Exercise more.

It's harder to quantify what you'll save in health care costs by exercising more since this number is also linked to losing weight through dieting. But generally speaking, exercising not only improves your health, it saves you money when you purchase life insurance because healthy people live longer, and longer life expectancies mean better life insurance rates. Many studies show it's never too late to start exercising and that even small improvements in your fitness level can improve your health and longevity.