Quote:
Originally Posted by petchef
I'm curious about this, too. I want to apply for life insurance when I reach my goal weight, but every application I've seen asks if "are you now or have you ever in the past" been overweight, on high blood pressure medication, had high cholesterol, etc. It seems like they penalize you for past medical history even if you are at a healthy point now. Maybe someone with an insurance background will respond.
|
Prior health makes a very big different for future health because so much disease is hereditary. The health of your parents can come into play as well.
That said - current health is what matters most. I have a client who 4 years ago had a tumor removed which led to a staph infection. He almost died and was in the hospital for almost two months and took six months total to recover. He was able to qualify for preferred rates.
Each case is unique and not every insurance company is the same as to rules. I have another client in his 60's with diabetes who was declined by one company but insured by another.
Life Insurance discount?
