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While life insurance
companies each produce their own lists of “allowable” conditions, one
well-known life insurer that we looked at allows these conditions in
other rate classes:
Preferred No Nicotine
- Elevated blood pressure of about 145/90 or less
- LDL Cholesterol of 260 and LDL/HDL ratio of 5.5
Select No Nicotine
- Elevated blood pressure of about 150/92 or less
- LDL Cholesterol of 270 and LDL/HDL ratio of 6.5
Standard
- Asthma
- Depression
- Elevated blood pressure of about 150/95 or less
- LDL Cholesterol of 300 and LDL/HDL ratio of 7.9
Knowing that these factors affect your rates will reduce surprises in your life insurance
shopping experience. Also, a good insurance agent will know which
companies have better pricing for certain medical conditions, such as
high blood pressure. If you still fall into a pricier category than you
anticipated, you can buy a policy and then ask the life insurance
company to re-examine your rate if your health has improved for at
least one full year.
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