Surprising, Yet Common, Health Conditions that Affect Life Insurance Rates

  • Last updated Aug 28, 2018 at 9:48PM | Published on Mar 25, 2016
  • Richard Reich
health conditions that affect life insurance rates

There are many health conditions that can play a role in your life insurance rates, but there are 5 common factors that affect rates more than others:

    • High Blood Pressure
    • Obesity
    • High Cholesterol
    • Cancer
    • Mental Health Conditions

How High Blood Pressure Affects Life Insurance Rates

One in three Americans has high blood pressure according to the CDC. This is approximately 75 million people.

So it’s really no surprise that life insurance companies have to mitigate the risk posed by this health condition.

Now, that said, of course, you can still get a policy even if you have this condition but you have to understand that having high blood pressure puts you at risk for a handful of other more serious conditions including stroke and heart disease.

For that reason having high blood pressure will increase your premiums. If you are working to effectively manage your high blood pressure by meeting with your doctor regularly and taking your medication it can have a positive influence on the premiums you pay.

Life Insurance Rates for People with High Blood Pressure

Age Policy Type $100,000 Male $100,000 Female $500,000 Male $500,000 Female $1,000,000 Male $1,000,000 Female
30 10 Year Term $7 $6 $13 $12 $21 $18
30 20 Year Term $9 $8 $20 $17 $34 $28
30 30 Year Term $13 $11 $33 $27 $59 $48
30 Whole Life $72 $64 $160 $136 $272 $224
40 10 Year Term $8 $8 $19 $17 $30 $28
40 20 Year Term $11 $10 $31 $27 $58 $47
40 30 Year Term $19 $16 $58 $45 $108 $85
40 Whole Life $88 $80 $248 $216 $464 $376
50 10 Year Term $15 $13 $46 $37 $83 $67
50 20 Year Term $24 $19 $82 $61 $155 $112
50 30 Year Term $41 $31 $140 $107 $270 $206
50 Whole Life $209 $165 $682 $484 $1287 $902
60 10 Year Term $32 $25 $122 $83 $226 $151
60 20 Year Term $60 $41 $235 $158 $456 $304
60 Whole Life $384 $300 $1464 $996 $2712 $1812
70 10 Year Term $96 $63 $373 $241 $705 $445
70 20 Year Term $231 $192 $975 $808 $1912 $1555

How Obesity Affects Life Insurance Rates

There is a common misconception that obesity means you will automatically be disqualified from life insurance. This is simply not true.

Obesity like these other conditions does put you at a greater risk for things like cancer, high blood pressure, stroke, or heart disease.

As a result, life insurance companies have to charge more to take on this risk. You can still qualify for more affordable policies if your body mass index is not too far outside of the normal range and only just a little outside.

Life insurance companies assess the risk of an obese person by the severity of their condition, similarly to other health conditions. The more severe the obesity levels, the more risk the person poses. They also inquire about comorbid conditions too, the result of your obesity.

If, for example, you are obese and your obesity has caused high blood pressure too, then you are at even more of a risk.

A morbidly obese person might not be able to secure a term life insurance policy, but for such conditions were someone would otherwise be denied coverage, there is always the most expensive, guaranteed coverage option.

If you are an obese person you can lower your insurance costs by getting healthier. Showing that you are taking steps to eat better, to improve your A1C levels regularly, and visiting your doctor on a regular basis will indicate efforts to improve health and can earn you lower premiums if you wait to improve your health before taking out a policy.

If you have a term policy with obesity rates, you can get healthier and then apply for a new term or convert it into a permanent policy with lower premiums.

Life Insurance Rates for People With Obesity

Age Policy Type $100,000 Male $100,000 Female $500,000 Male $500,000 Female $1,000,000 Male $1,000,000 Female
30 10 Year Term $10 $8 $17 $15 $28 $24
30 20 Year Term $10 $9 $26 $21 $47 $37
30 30 Year Term $14 $12 $41 $34 $75 $60
30 Whole Life $80 $72 $208 $168 $376 $296
40 10 Year Term $11 $10 $27 $23 $44 $38
40 20 Year Term $14 $12 $40 $34 $74 $62
40 30 Year Term $22 $18 $69 $54 $129 $101
40 Whole Life $112 $96 $320 $272 $592 $496
50 10 Year Term $19 $16 $59 $47 $104 $85
50 20 Year Term $28 $21 $98 $72 $186 $135
50 30 Year Term $47 $37 $181 $128 $347 $239
50 Whole Life $242 $198 $858 $616 $1584 $115
60 10 Year Term $42 $32 $147 $104 $272 $191
60 20 Year Term $72 $51 $277 $193 $528 $362
60 Whole Life $504 $384 $1764 $1248 $3264 $2292
70 10 Year Term $98 $69 $386 $250 $705 $451
70 20 Year Term $231 $215 $975 $903 $1912 $1738

How High Cholesterol Affects Life Insurance Rates

High cholesterol is another common condition which impacts one out of every three adults in America. Once again high cholesterol can lead to other conditions such as diabetes, stroke, or coronary heart disease.

The good news is that life insurance providers will look upon your high cholesterol more favorably if you are managing it with medication or working with your healthcare provider regularly.

It is important to get tested for this before you apply because it doesn’t show any conditions and you certainly don’t want to find out that you have high cholesterol when you go to apply for a policy.

The risk factors attributed to high cholesterol include your diet and your weight primarily. If you’re suffering from high cholesterol, you can take steps to reduce the cost of your insurance policy by removing things such as trans fats, saturated fat, sugar, and cholesterol in the foods you are eating. You can also lose weight, as being overweight can increase your LDL levels and decrease your HDL levels.

Life Insurance Rates for People With High Cholesterol

Age Policy Type $100,000 Male $100,000 Female $500,000 Male $500,000 Female $1,000,000 Male $1,000,000 Female
30 10 Year Term $7 $6 $13 $12 $21 $18
30 20 Year Term $9 $8 $20 $17 $34 $28
30 30 Year Term $13 $11 $33 $27 $59 $48
30 Whole Life $72 $64 $160 $136 $272 $224
40 10 Year Term $8 $8 $19 $17 $30 $28
40 20 Year Term $11 $10 $31 $27 $58 $47
40 30 Year Term $19 $16 $58 $45 $108 $85
40 Whole Life $88 $80 $248 $216 $464 $376
50 10 Year Term $15 $13 $46 $37 $83 $67
50 20 Year Term $24 $19 $82 $61 $155 $112
50 30 Year Term $41 $31 $140 $107 $270 $206
50 Whole Life $209 $165 $682 $484 $1287 $902
60 10 Year Term $32 $25 $122 $83 $226 $151
60 20 Year Term $60 $41 $235 $158 $456 $304
60 Whole Life $384 $300 $1464 $996 $2712 $1812
70 10 Year Term $96 $63 $373 $241 $705 $445
70 20 Year Term $231 $192 $975 $808 $1912 $1555

How Cancer Affects Life Insurance Rates 

Insurers assess people diagnosed with cancer or who have had a history of cancer by reviewing many factors. They will ask a lot of questions on the application which specify the types of cancer, how recently you had issues with certain cancers, and what treatments are currently being used.

Your rates are going to change based on the type of cancer, as some are more severe than others. Prostate cancer, for example, has a much lower survival rate than breast cancer, which means your premiums are going to change with the type of cancer you have and stage that it is in. 

Life Insurance Rates for People With Cancer

Age Policy Type $100,000 Male $100,000 Female $500,000 Male $500,000 Female $1,000,000 Male $1,000,000 Female
30 10 Year Term $7 $6 $13 $12 $20 $18
30 20 Year Term $9 $8 $20 $17 $33 $28
30 30 Year Term $12 $11 $32 $27 $57 $
30 Whole Life $72 $64 $160 $136 $264 $
40 10 Year Term $8 $7 $18 $15 $28 $25
40 20 Year Term $10 $10 $28 $24 $51 $43
40 30 Year Term $17 $15 $52 $42 $99 $78
40 Whole Life $80 $80 $224 $192 $408 $344
50 10 Year Term $14 $12 $41 $33 $74 $61
50 20 Year Term $22 $18 $74 $55 $141 $101
50 30 Year Term $36 $28 $125 $97 $251 $183
50 Whole Life $198 $143 $627 $451 $1,166 $847
60 10 Year Term $28 $23 $112 $75 $213 $139
60 20 Year Term $53 $36 $205 $139 $396 $267
60 Whole Life $336 $276 $1,344 $900 $2,556 $1,668
70 10 Year Term $87 $58 $322 $200 $610 $373
70 20 Year Term $207 $157 $804 $578 $1,546 $1,117

How Mental Health Conditions Affect Life Insurance Rates

Life insurance companies assess people with mental health issues based on how severe those issues are, whether there are tangential conditions too, and whether you are controlling the conditions well or not.

Some more minor issues like depression or anxiety, even sleep apnea can be controlled with regular treatment and therefore will only result in slightly higher premiums. However, for those more severe cases or those which are not well managed, it can be very challenging to get a policy. People in these situations may find it hard to get an insurance policy:

  • Have dementia or Alzheimer’s
  • Reside in a hospital or nursing home
  • Have recently been rehabilitated for drug or alcohol use

Rest assured that if you have pre-existing mental health condition such as depression you can still get a policy, but your premiums will be different. 

Life Insurance Rates for People With Mental Health Conditions

Age Policy Type $100,000 Male $100,000 Female $500,000 Male $500,000 Female $1,000,000 Male $1,000,000 Female
30 10 Year Term $10 $9 $26 $22 $46 $39
30 20 Year Term $13 $12 $39 $33 $70 $60
30 30 Year Term $21 $17 $68 $52 $128 $96
30 Whole Life $104 $96 $312 $264 $560 $480
40 10 Year Term $13 $12 $39 $34 $70 $61
40 20 Year Term $19 $16 $65 $54 $125 $101
40 30 Year Term $33 $25 $116 $86 $217 $162
40 Whole Life $152 $128 $520 $432 $1000 $808
50 10 Year Term $25 $20 $96 $70 $179 $132
50 20 Year Term $39 $30 $157 $117 $302 $221
50 30 Year Term $79 $57 $297 $221 $568 $408
50 Whole Life $363 $275 $1353 $1001 $2552 $1859
60 10 Year Term $57 $41 $233 $155 $447 $287
60 20 Year Term $106 $73 $456 $310 $880 $585
60 Whole Life $684 $492 $2796 $1860 $5364 $3444
70 10 Year Term $170 $110 $737 $443 $1366 $832
70 20 Year Term $466 $381 $1942 $1583 $3876 $3046

Other Health Conditions That Affect Life Insurance Rates

As I said at the beginning of this article, there are many health conditions that can affect life insurance rates.  These are just the 5 most common health conditions that affect life insurance rates.

Some other common health conditions affecting life insurance rates are:

Respiratory Diseases

Respiratory diseases include things like:

  • COPD
  • Emphysema
  • Chronic Bronchitis
  • Bronchilitis
  • Fibrosis
  • Hypoxia
  • Asthma
  • and more…

Naturally, these diseases shorten your life expectancy and therefore elevate your risk profile to a life insurance company.  This is not to say that you cannot find affordable life insurance rates for people with respiratory diseases.

Depending on your condition, there may be plenty of life insurance options available to you.  Because of the nature of your disease, it may be hard to give exact quotes for your rates.  It is best to speak with an agent to ensure you find the best policies, rates, and company for your needs.

Digestive System Diseases 

Some common digestive diseases that affect life insurance rates are:

  • Gastrointestinal disease
  • Chrohn’s Disease
  • IBS (Irritable Bowl Syndrome)
  • Ulcerative Colitis
  • Celiac Disease
  • Diverticulitis
  • and more…

Again, depending on your health condition and your age, life insurance rates, and policy options may vary. However, unless your condition is very bad, you are likely to find affordable life insurance rates for people with digestive system diseases.

Even if your condition is serious, guaranteed issue life insurance can cover your needs without the need for a medical examination, and with no health, questions asked. There are life insurance options for just about everyone, regardless of your health.

Muscular Diseases

Some common muscular diseases that can have an effect on your life insurance rates are:

  • Myopathy
  • Muscular Dystrophy
  • Polymyositis
  • Spinal Muscular Atrophy
  • Amyotrophic Lateral Sclerosis
  • Myotonia
  • and more…

These diseases are already challenging enough to live with, there is no reason that getting life insurance to protect your family should be hard.

Because these diseases are so uncommon, and each individual case is different, giving realistic life insurance quotes for people with muscular diseases can be difficult, when generalizing. It is best to speak with a professional to find the best life insurance rates if you suffer from a muscular disease.

Lymphatic System Diseases

Some common lymphatic system diseases that can affect life insurance rates are:

  • Granuloma
  • Hodgkin Lymphoma
  • Intraocular Lymphoma
  • Lymphadema
  • Mononucleosis
  • Non-Hodgkin Lymphoma
  • and more…

These diseases are particularly dangerous, as the lymph system spans the whole body, and they can be very difficult to detect or treat.

Again, people with these type of lymphatic system diseases should seek out professional help to find the best life insurance policies and rates.

Endocrine System Diseases

Some common endocrine system diseases that have an effect on life insurance rates are:

  • Adrenal Disorders
  • Grave’s Disease
  • Hypoglycemia
  • Hypothyroidism
  • Hyperthyroidism
  • Diabetes
  • Turner Syndrome

Determining life insurance rates for people with endocrine system diseases depends on the disease and the severity of it. Life insurance rates for people with diabetes and thyroid disorders will be much lower and more standard than those with Turner Syndrome, Grave’s Disease, or other more serious endocrine system disorders.

Nervous System Diseases

Some of the common nervous system diseases that affect life insurance rates are:

  • Parkinson’s Disease
  • Multiple Sclerosis
  • Dysautonomia
  • Ataxia
  • Neurotoxicity
  • Degenerative Disease
  • and more…

These diseases are usually quite severe in terms of how they affect your body, life expectancy, and health. As a result, giving life insurance rates for people with nervous system diseases is difficult without knowing their individual situation.

Finding the Best Life Insurance Rates for People With Health Conditions

There are thousands of health conditions in the world. While high blood pressure, obesity, high cholesterol, cancer, and mental health conditions are the most common, there are many others to consider.

Everyone should be entitled to the right to life insurance in order to protect their family and loved ones financially in the event of their death.

While it may seem like affordable life insurance may be hard to obtain for your specific health condition, I promise, this is not the case.

Give us a call today to speak with one of our independent life insurance agents who can compare life insurance rates from dozens of the best life insurance companies for people with health conditions.

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