Which Medical Issues Impact Your Life Insurance Premiums?

How Medical Conditions Can Affect Your Life Insurance Rate


When you apply for life insurance, you’ll be asked several questions about your health as well as your family’s health history. This is because life insurance underwriters determine your monthly premiums based on your health and genetic tendencies. But do you know which medical conditions impact your premium?


Heart disease

Heart health is one of the most important medical issues that life insurance underwriters take into account. Heart complications can dramatically impact your life insurance rate, causing it to rise significantly. Since most heart issues tend to occur in older people, it’s best to secure life insurance when you’re young and healthy.



Getting life insurance with diabetes won’t be impossible but it may be challenging. If you can prove that your diabetes is under control, your chances of approval are better. If you do manage to secure insurance, your premiums will almost certainly be higher.



Your weight is one of the first questions you’ll be asked about on your life insurance application. If your BMI is too high, you may automatically be disqualified for certain plans. Obesity can lead to heart issues, diabetes, high blood pressure, and other health complications which is why insurers take it so seriously.


Ready to get started on your life insurance policy? Talk to the professionals at Premier Risk Insurance to find out how you can acquire affordable coverage. We serve Long Island and surrounding cities in New York, and we look forward to hearing from you today.