5 Health Problems That Might Increase Your Life Insurance Rates
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5 Health Problems That Might Increase Your Life Insurance Rates

When calculating your life insurance premium, underwriters will take your overall health into account. This risk assessment includes the majority of older people in the United States. According to 2014 data from The Commonwealth Fund, 87% of Americans had at least one chronic illness, while 68% had two or more. The prevalence of conditions such as diabetes and heart disease not only write a poor health report card for the country, it also suggests high life insurance rates across the board. Know the following premium-boosting health conditions to start accessing your risk.


  1. Type 2 Diabetes: When an adult is diagnosed with diabetes, they are often at risk for additional problems such as peripheral vascular disease, renal failure, and coronary artery disease. These health risks add up, causing underwriters to boost premiums.
  2. Obesity: Obese individuals are at risk for a multitude of health complications, including Type 2 Diabetes, heart disease, stroke, cancer, and other diseases. A high BMI will be a red flag for an underwriter.
  3. Cancer: How Cancer affects health and life insurance premiums depends on the type of Cancer. More life-threatening Cancers will lead to higher premiums, as low-risk Cancers won't have as much of an impact.
  4. High Cholesterol: This condition puts an individual at risk for other heart-related conditions. These include coronary artery disease, heart attacks, and strokes. Life insurance companies will take into account how well the applicant is managing their condition before writing a quote.
  5. Acid Reflux: While gastroesophageal reflux disease, or GERD, affects a large portion of the population, underwriters will still take this condition into account. This is because it can lead to more severe conditions such as stomach ulcers and different types of cancers.
If you have any of the above conditions, among others, the insurance company will take how well you are managing it into account. If you are taking necessary medications, undergoing recommended treatment, and keeping up with a healthy lifestyle, your insurance premiums might not be affected as much. When you are selecting the best health and life insurance for your needs, be sure to ask the company plenty of questions about why your premiums are what they are. This will ensure that you are getting the best possible policy.

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