Understanding which health issues raise a red flag for life insurance providers.
When you apply for life insurance, you will be asked about your health and your family’s health history. This is because your premiums will largely depend on your current health and genetic predisposition towards certain medical issues. But which health problems will affect your life insurance rates? Here are some of the medical issues that life insurance underwriters look out for.
- Heart Disease
Heart disease is the leading cause of death in the U.S. As such, life insurance providers take this medical issue very seriously. If you have a heart condition, then you may not be able to qualify for standard life insurance. Even if you don’t have heart problems now, your family medical history, weight, and current state of health can predict whether or not you will develop heart problems in the future. If your life insurance provider considers you at risk for heart disease, expect to pay more for your coverage.
- Diabetes
People with Type 1 or Type 2 diabetes have a difficult time securing life insurance. This is because diabetes opens the door for many other serious health issues. Even if you do not have diabetes now, life insurance providers will look at your family history, weight, and blood pressure levels as these factors indicate how likely you are to develop diabetes.
- Obesity
Your weight is one of the first things that life insurance underwriters will ask about. If your BMI (body mass index) is too high, then you will be disqualified for certain plans. Life insurance providers take weight very seriously as it is one of the leading causes of heart disease, hypertension, diabetes, and other medical complications.
These are some of the medical conditions that will lead to higher life insurance premiums. Do you have additional questions about your life insurance? If so, then contact the experts at Randy Jones Insurance Services in Pleasanton, California. We are ready to assist you with all your coverage needs today.
