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Top 5 Health Conditions Causing Higher Life Insurance Rates
Exceptionally healthy people can qualify for lower life insurance rates equal to half the premiums applicants in average health pay.
Based on Term4Sale’s rate comparison website, the lowest possible premium rates for non-smoking females in exceptional health are more than 50% cheaper than life quotes for women in average health.
Life rates for applicants in poor health are much higher. Uninsurable Life Insurance Risks
In contrast, life insurance companies will not underwrite certain medical conditions at all. Underwriters will decline all applicants with:
* AIDS * Alzheimer’s disease * Cerebral palsy * Huntington’s disease * Lou Gehrig’s disease * Multiple sclerosis * Stage 4 cancer. |
