Best Insurance Group, LLC Blog
Planning to get life insurance, but you have high cholesterol and high blood pressure? Based on the Centers for Disease Control, hypertension and high cholesterol levels are very common medical problems that affect many American adults. Some insurance companies may not cover people who have hypertension and high cholesterol levels.
Do you have other health conditions present?
Some insurance companies may consider people with hypertension and high cholesterol levels as long as there are no other health conditions present. This is why a thorough physical check-up is a requirement in most insurers.
Are you taking medications for your condition?
You can lower your risk if you can manage your condition with medication. Also, dieting, exercise, and a healthy lifestyle can help. If you can prove that you are in control of your situation and provide records that you have managed to keep your blood pressure and cholesterol levels at bay, your application may be reconsidered.
When were you diagnosed with hypertension and high cholesterol?
People who were diagnosed early with hypertension and high cholesterol will be labeled with pre-existing conditions. They may be considered for life insurance but will be forced to pay a high premium. Those who have been recently diagnosed with these health conditions may also be considered but may need to pass a thorough physical exam.
What are your weight and age?
Your weight and age play an essential role in your battle against hypertension and high cholesterol. If you're middle age and overweight, then you may have some health issues as well. Some insurance companies may ask you many questions about your health history, lifestyle, and line of work aside from subjecting you to a physical exam. Everything counts when you want to get life insurance coverage.
Do you have other risk factors such as smoking or drinking alcohol?
Most life insurance companies will place a high premium on people who smoke, drink or engage in a risky lifestyle.
Talk to an insurance representative if you want to learn more about life insurance and how you can get coverage even with health conditions. Insurers have different policies; find the one that will give you the most value.
At Best Insurance Group, LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (970) 674-5000. You can also request a free quote by CLICKING HERE.