Contact Us: (425) 681-0996
Insurance Agency Network
  • Why IAN
    • Why IAN
    • Join IAN Benefits
    • Build with IAN
    • Grow with IAN
    • Succeed with IAN
    • Become an Associate
    • Join IAN Today
  • About IAN
    • About IAN
    • Mission & Vision
    • IAN Story
    • Meet the Team
    • New Associates
  • Carriers/Partners
    • Commercial Insurance
    • Personal Insurance
    • Farm Insurance
    • Flood and Earthquake
    • Bonding and Surety
    • Workers Compensation
    • Life/Disability Insurance
    • Health/Dental/Vision
    • Specialty Insurance
    • General Agents/Surplus Lines
  • Technology
  • Programs
  • Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Insurance Bonds
      • Workers Compensation
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Farm Insurance
    • Life/Financial >
      • Life Insurance
      • Annuities
      • Disability Insurance
      • Final Expense Insurance
      • Financial Planning
    • Health >
      • Group Benefits
      • Health Insurance
      • Critical Illness Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Medicare Advantage Plans
      • Vision Insurance
    • Other >
      • Event Insurance
      • Pet Insurance
      • Travel Insurance
      • Umbrella Insurance
      • Wedding Insurance
  • Associates
    • Refer an Agent
    • Blog
    • News
    • Newsletter Signup
    • Agent Testimonials
    • Find an Expert
    • Accessibility Statement
  • Vendors/Services
    • ADP
    • Agency Revolution
    • Agentero
    • Applied Systems
    • Archway Computers
    • Blue Jay Reviews
    • Bold Peguin
    • Bonjoro
    • Bridge
    • Brightfire
    • Canopy Connect
    • Capital Premium
    • DocuSign
    • epay Policy
    • EZLynx
    • Forge3
    • Formstack
    • GoDaddy
    • Google Workspace
    • GoToConnect
    • Grasshopper
    • Hawksoft
    • IBQ Systems
    • Indio
    • InsuranceSplash
    • ITC
    • Levitate
    • Malwarebytes
    • Ooma
    • Relativity6
    • Ring Central
    • Rocket Referrals
    • Semsee
    • ShareFile
    • Tarmika
    • Vertafore
    • Virtru
    • Wahve
    • Wingman Cyber
    • zix
    • Zywave
  • Access Online Documents
  • Contact
    • Communication Preferences
  • Why IAN
    • Why IAN
    • Join IAN Benefits
    • Build with IAN
    • Grow with IAN
    • Succeed with IAN
    • Become an Associate
    • Join IAN Today
  • About IAN
    • About IAN
    • Mission & Vision
    • IAN Story
    • Meet the Team
    • New Associates
  • Carriers/Partners
    • Commercial Insurance
    • Personal Insurance
    • Farm Insurance
    • Flood and Earthquake
    • Bonding and Surety
    • Workers Compensation
    • Life/Disability Insurance
    • Health/Dental/Vision
    • Specialty Insurance
    • General Agents/Surplus Lines
  • Technology
  • Programs
  • Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Insurance Bonds
      • Workers Compensation
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Farm Insurance
    • Life/Financial >
      • Life Insurance
      • Annuities
      • Disability Insurance
      • Final Expense Insurance
      • Financial Planning
    • Health >
      • Group Benefits
      • Health Insurance
      • Critical Illness Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Medicare Advantage Plans
      • Vision Insurance
    • Other >
      • Event Insurance
      • Pet Insurance
      • Travel Insurance
      • Umbrella Insurance
      • Wedding Insurance
  • Associates
    • Refer an Agent
    • Blog
    • News
    • Newsletter Signup
    • Agent Testimonials
    • Find an Expert
    • Accessibility Statement
  • Vendors/Services
    • ADP
    • Agency Revolution
    • Agentero
    • Applied Systems
    • Archway Computers
    • Blue Jay Reviews
    • Bold Peguin
    • Bonjoro
    • Bridge
    • Brightfire
    • Canopy Connect
    • Capital Premium
    • DocuSign
    • epay Policy
    • EZLynx
    • Forge3
    • Formstack
    • GoDaddy
    • Google Workspace
    • GoToConnect
    • Grasshopper
    • Hawksoft
    • IBQ Systems
    • Indio
    • InsuranceSplash
    • ITC
    • Levitate
    • Malwarebytes
    • Ooma
    • Relativity6
    • Ring Central
    • Rocket Referrals
    • Semsee
    • ShareFile
    • Tarmika
    • Vertafore
    • Virtru
    • Wahve
    • Wingman Cyber
    • zix
    • Zywave
  • Access Online Documents
  • Contact
    • Communication Preferences

INSURANCE AGENCY NETWORK Blog

Common Illnesses That Affect Your Life Insurance Rate

12/29/2017

0 Comments

 
Picture
Most of us suffer from at least one of the most common health conditions to a certain degree.  This is one of the most popular reasons for not getting life insurance.  It is common notion that because of this condition, you are no longer qualified for one, or it will be very expensive.  However, this is not always the case.
There can be available and affordable life insurance options despite having one of these conditions.  Having one illness does not necessarily mean higher rates.  Insurers also factor in the severity and how manageable the illness is.  

Most insurers will classify candidates as standard or preferred.  If you are in peak health, maybe even a preferred plus.  There is a 20% - 30% price difference for each class.  Below are the most common illnesses and how it affects our life insurance.

Obesity

This is one of the most common health conditions as a majority of us are affected by this.  Typically, insurers will measure your body mass index (BMI) as basis in measuring the obesity level.  If your BMI does not go beyond 28, you can be classified as preferred plus.  A maximum of 34 for preferred and a maximum of 38 for standard.  

High Cholesterol

Another common illness is having high cholesterol.  In fact, millions of Americans over 20 have high cholesterol levels.  The threshold for cholesterol is 200 mg/dL.  At a maximum of 220 mg/dL you are still preferred plus.  If you reach 250 mg/dL you are still qualified as preferred.  You are standard at a maximum of 350 Mg/dL.

Hypertension

Hypertension or high blood pressure can lead to more serious illnesses if it is not managed.  Insurers will check if it is manageable with medication and the severity of your condition.  A blood pressure lower than 140/90 without medication will warrant a preferred classification.  A blood pressure of 150/90 can still be classified as standard.

Anxiety

Often overlooked are mental illnesses.  However, anxiety has affected about 18% of the nation.  This makes it the most common form of mental illness.  This can lead into more serious conditions like depression, insomnia, and even substance abuse.  Even if you suffer from anxiety, it is possible to still qualify as preferred if you are under care of a physician.


Conclusion

It is a fact that millions of people suffer from the illnesses described above but are still preferred clients for life insurance.  Do not let this keep you from getting life insurance you need.  If you are suffering from  any of the illnesses above, make sure to treat it properly.  Visit your doctor, take your medication, and take proper care of yourself.

At Insurance Services of the West LLC, we aim to provide comprehensive insurance policies that makes your life easier. You can get more information about our products and services by calling our agency at (425) 681-0996. Get your free quote today by CLICKING HERE.

​
0 Comments



Leave a Reply.

    Contact Us

    (425) 448-9190​
    8561 154th Ave NE
    Suite 250
    Redmond, WA 98052​
    Click Here to Email Us

    Archives

    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    November 2017
    October 2017
    September 2017
    August 2017
    June 2017

    Categories

    All
    ATV Insurance
    Auto Insurance
    Business Insurance
    Dental Insurance
    FAQs
    Farm Insurance
    Financial
    Flood Insurance
    Health Insurance
    Home Insurance
    Insurance
    Life Insurance
    Local
    Motorcycle Insurance
    Safety
    Travel Insurance

    RSS Feed

Navigation

Homepage
About IAN
Why IAN
Carriers/Partners
Technology
Contact Us 
Accessibility Statement
Agent Login

Share This Page

Review Us

Connect With Us

Picture
Picture
Picture

Contact Us

Insurance Agency Network
8561 154th Ave NE
Suite 250
Redmond, WA 98052
Office: (425) 448-9190​
Mobile: (425) 681-0996
Fax: (425) 868-2411
Click Here to Email Us
Website by InsuranceSplash