Life Insurance is Impacted by Your Medical Conditions
When applying for life insurance in Antioch, CA, you’ll be asked a series of questions about your health, family’s health, and lifestyle. This is because life insurance underwriters determine your monthly premiums based on how healthy you are, your genetic tendencies, and which, if any, medical conditions you have. Below are a few of the top medical conditions that impact the price you pay for life insurance.
Insurers look at heart health quite seriously. If your ticker isn’t working as it should or you have a history of heart disease, your insurer may charge you higher premiums. Since most heart disease occurs to older people, it’s best to get life insurance when you’re young, healthy, and can lock in a low rate.
One of the first questions you’ll get asked about is your weight. If your BMI is too high, you may be automatically disqualified for certain insurance plans. Obesity is one of the leading causes of heart disease, high blood pressure, diabetes, and other health complications, which is why insurers may charge obese people more for life insurance.
Those with diabetes may have a hard time finding life insurance coverage because of the high risk. If you can prove that your diabetes is under control, your chances of approval are better. Keep in mind that even if you do secure coverage, you may face higher premiums.