Is Assessing Your Health While Applying for Life Insurance Necessary?

Life insurance is one policy that you cannot buy right away. You need to qualify through a medical exam or by answering a few health-related questions that help insurance providers assess your health and fix your premiums accordingly. Let us discuss how one can rate their health when applying for life insurance and what impact it creates on the cost.

How to Rate Your Health While Applying for the Policy?

Based on your current health and existing medical conditions, you can rate your health as follows:


Those who fall under the average health category are obese people or people with high cholesterol, high blood pressure, and well-controlled diabetes. The cost of life insurance for people with average health is the most affordable.


People who fall under the good health category are slightly overweight with little to no cholesterol, and controlled blood pressure. They may have one or two health issues compared to people with average health. People with good health may be eligible for life insurance with attractive discounts.


People with excellent health are those who maintain a healthy weight and eat a balanced diet. Life insurance for those with excellent health will usually be less than for others with good health.

Improving your health is good, but don’t wait for your health to become excellent to apply for life insurance. This is because life insurance costs increase as you age, or if you are diagnosed with any disease while you wait, it could further impact your insurance eligibility.


Most life insurance providers do not have a health category labled as “bad.” However, some people may have below-average health due to uncontrolled diabetes, blood pressure, and cholesterol.

Besides, those who are undergoing treatment for cancer or are still under medical intervention to change medication or determine what medication works better for their condition are also considered bad-health category people. Insurance providers usually wait 6 months or a year to see whether your health improves after treatment and determine your eligibility for life insurance accordingly. You might be uninsurable now because of your uncertain health condition, but it does not mean you will not be eligible for life insurance. You can get life insurance coverage if your health improves in the next 6 to 12 months.

What Should You Do While Applying for Life Insurance?

While applying for a life insurance policy, assess your health with the above information and determine the category accordingly. How you rate your health will help your provider get an idea about your health in the future, thus helping them to calculate your premiums easily.

Consult with ISU Wissink for Comprehensive Life Insurance

 ISU Wissink Agency is ready to customize your coverage, whether you need term or whole life insurance. Contact our insurance experts today to get started on your personalized life insurance coverage that protects you throughout your life.