Are you ready to look for a life insurance quote for a policy that will give you and your family much-needed peace of mind? Before you start your search, though, continue reading so that you can learn about a few of the health conditions that might end up affecting your life insurance rate and policy.

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1. Diabetes

Individuals who have been diagnosed with adult onset type 2 diabetes might find that their life insurance rate is affected by this medical condition. That’s because those who have diabetes might also have a greater risk of developing other health problems that could include blindness, renal failure, peripheral vascular disease, and coronary artery disease. As a result, life insurance providers see you as a higher risk and they might give you a higher quote as a result.

2. Heart Disease

If heart disease is one of your pre-existing conditions when you apply for life insurance, you might find that your quote is higher than it otherwise would be. Heart disease includes various conditions, such as coronary artery disease and heart attack. But even if you have not been diagnosed with heart disease, your life insurance provider might end up looking at your family’s medical history and your personal medical records to determine the level of the risk that you have of developing heart disease at some point.

3. Obesity

Obesity is actually one of the most common health problems, so life insurance providers have to deal with this a lot. Many providers will use your body mass index, also known as your BMI, to determine if you are obese. If your BMI indicates that you are obese, it could affect the policy and rate that you receive.

4. Cancer

An individual who has cancer as a pre-existing condition when applying for life insurance may not be able to get coverage. However, an insurance provider might decide to monitor the patient for a certain period of time, such as up to a year, prior to approving that person for a policy. Because there are so many different forms of cancer, along with a wide range of treatment options, every case is unique, so if you want a life insurance policy but you are going through treatment, you shouldn’t automatically assume that you won’t be able to get life insurance coverage.

5. High Blood Pressure

Separate from heart disease, high blood pressure is also common, so a lot of insurance providers will take this condition into consideration when designing a policy for you. The problem is that high blood pressure might increase your risk of other problems, such as kidney damage, stroke, coronary artery disease, and peripheral artery disease, so if you can prove that you’re managing it well, that will be helpful.

As you can see, there are several health conditions that could play a role in the type of life insurance policy that you are able to take out and how much you will need to pay for it. That’s why leading a healthy lifestyle that includes healthy foods and plenty of exercise is a good idea, especially as you get older.

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