What are some common Health concerns that increase Life Insurance Rates?

Answer:
Your health affects the price you pay for life insurance.

In order to get a life insurance policy, you must first undergo a complete physical. Your insurance company will look at a variety of health concerns to determine a rate.

Your blood pressure reading is one of those health concerns. Elevated cholesterol levels can lead to heart disease and other conditions.

High blood pressure that is not successfully being controlled with medications can also increase your life insurance rates. High blood pressure can lead to heart problems and other health conditions.

Being overweight is another health concern that your life insurance company will consider. If you’re significantly overweight, expect to pay a penalty.

Asthma, Chronic Obstructive Pulmonary Disease (COPD), and sleep apnea are health conditions that affect your breathing - and your life insurance rates. Asthma is often controlled through medical treatments. When controlled, your insurance company may not be concerned. COPD has a high mortality rate and is looked at very closely by insurers when determining rates.

Alcoholism is also a medical concern that will affect your life insurance rates. Your insurance company will look at liver enzymes as well as possibly look at your driver’s record for alcohol related offenses.


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