Health Issues and Life Insurance
One of the main reasons that many people do not invest in a life insurance policy is because they do not think that they will be able to qualify for a policy. However, working with your doctor can help to manage many health conditions that may have previously prevented you from finding the right health insurance policy. Keep these common health issues in mind when looking for the right coverage for your needs.
- High cholesterol – high cholesterol is defined as any total cholesterol that is over 200mg/dL. Most life insurance companies will classify your cholesterol levels as normal if you are no higher than 300-350mg/dL. If you are slightly higher, taking the right medication can help you qualify for the right policy.
- High blood pressure – also known as hypertension, high blood pressure can lead to serious health issues if it is un-managed. Your life insurance company will look at the severity of your blood pressure when determining your rates and coverage.
- Anxiety – almost 20 percent of all Americans suffer from anxiety, which makes it the most common form of mental illness. It is considered a risk in the health insurance world because it can lead to many other issues, including substance abuse, depression, and insomnia. If your anxiety is managed by medication then you will most likely be able to qualify for a life insurance policy.
- Obesity – many life insurance companies will look at the body mass index (BMI) number in order to figure out if a person is obese or not. Those who have a BMI of 26-28 can get preferred plus policies, while people with a BMI between 35 and 38 can still qualify for standard coverage.
For all of your life insurance coverage needs to ensure that you and your loved ones have the protection that you deserve, contact ISU Wissink Insurance in Culver City, California.