Health Conditions Which Can Cause Higher Life Insurance Rates

Not many people know that there are certain medical conditions that are associated with lower life expectancies which result in the most expensive life insurance rates.

Healthy people qualify for lower insurance rates that is equal to half the premium applicants in an average health pay.

Based on a comparison done by a website, the lowest possible premiums for non-smoking girls in exceptional health are more than 50% less than the life quotes for those women with average health. And life rates for the applicants who are in poor health are much higher.

According to a report from a website, the following health conditions garner the highest life insurance premiums. It is because these medical conditions have the greatest effect on reducing life expectancy for the applicant.

• Heart disease

• Diabetes

• Cancer

• Obesity

• Lung disease

Since life expectancy is one of the key factors driving the number of years of premium payment that insurance companies can expect to receive, actuaries assess higher life premiums to cover the shorter life spans of people with these medical conditions.

People who suffer from any of these insurable medical conditions or their caregivers should look around for the lowest possible premium rates. There are several websites that enable online shoppers to request for life insurance quotes. Another method is by using Google search to get the best life insurance rates online.