It is very common for people applying for life insurance to receive a low quote. Then, after their required medical exam, they are given a new quote based on risk factors they didn’t know existed. In many cases where the premium quote jumps, it is because the person applying has heart disease risk factors.
Heart disease is a leading cause of death in the western world. There are many factors which put you at risk of having heart disease, including:
- High blood pressure
- High cholesterol and/or triglyceride levels
Even if you have high blood pressure or cholesterol, don’t panic that your life insurance premiums are going to be outrageous. Many life insurance companies will still give you the preferred rate so long as you only have one or two risk factors AND also can show you are making efforts to keep them under control.
What is Considered Unhealthy?
In general, a healthy cholesterol level is considered to be no more than 200, with LDL cholesterol levels no more than 100. As for blood pressure levels, healthy is generally considered no more than 140/90. Keep in mind that these standards change throughout your life and are also based on your gender. For example, a man and woman may have the same cholesterol levels but only one considered to be at unhealthy levels.
How Your Heart Health Will Affect Your Life Insurance
The insurance companies are not using the same standards to diagnose health as medical doctors. You don’t have to have diagnosed hypertension for the insurance company to consider you at risk for heart disease. However, you are probably not going to be charged higher premiums unless you have a diagnosis. If you have gotten a diagnosis of high blood pressure or cholesterol, then it is very important that you follow all of your doctor’s instructions about taking medications and getting follow-up care. In most cases, life insurance companies will not charge higher premiums if you take steps to keep the condition under control.
Always Tell the Truth
If you already have been diagnosed with heart disease risk factors like high blood pressure or high cholesterol, you must tell your life insurance company about this when applying. Lying about these conditions could put your policy in jeopardy. Plus, the life insurers are likely to find out anyway during your required medical exam. Some life insurance companies even look favorably on people who are already taking medications for their conditions. They realize that people actively taking measures to keep themselves healthy are less likely to develop heart disease than those who aren’t. After you disclose your health status, you life insurance premium may be higher than what you were initially quoted but you should still be given a standard premium.