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How does my health affect life insurance quotes?

Posted May 29 2012 6:56am

Many people believe that if they have health issues then they will automatically be given a very high life insurance quote. Fortunately this belief is mistaken, as this is not necessarily the case. If you are thinking of taking out life insurance and are wondering how your state of health might influence a quote, there are several factors to take into account, not just which company to use. It is best to search thoroughly for the best policy on websites like for example.

Health affects life insuranceThe first thing is your actual current state of health. Even if you are taking medication, if this medication successfully alleviates the health issue, then this may act as a mitigating factor in terms of your quote. One area where this may be applicable is in mental health. In cases of depression, one aspect which may affect a life insurance quote is whether this led to thoughts or actions towards suicide. However, insurers recognise that many people experience some form of depression during their lives as a result of life changes and shocks, such as divorce or death of a family member. For this reason they do not regard all treatment and episodes of depression in the same way; the key is in the details of a condition and its treatment. Do not be put off. Each case is different, so even if you have or have previously had health issues it may still be possible to find a reasonable quote for life insurance. Take some time researching and looking around as there are a wide variety of insurance products and options available, even within the specific area of life insurance. It is always worth talking to an insurance advisor and asking for advice as they will have the knowledge and experience to help you. They will also have access to details of all the possible insurance products which may be exactly suitable for you and your particular circumstances.

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