Health Conditions that May Effect Your Health insurance Application

One of the reasons America has an issue with life insurance is they believe they won’t qualify. Some are even concerned if they do qualify, the price will be too expensive to justify. It is always best to seek health insurance whenever possible and abandoning health care entirely is highly inadvisable. Below are some of the most important Health issues to consider:

High Blood Pressure or Hypertension

High blood pressure or hypertension can lead to a serious health concern if left mismanaged. Life insurance companies will take your high blood pressure into account, and depending on the severity of the issue they may deny health care coverage. A preferred rate, however, is somewhere in the ballpark of 140/90 or even lower without medication.

Combating Cholesterol

102 million Americans are diagnosed with high cholesterol indicate that somewhere around 20% of the entire American population suffers from high cholesterol. But this will not necessarily preclude you from health insurance. With High Cholesterol the most important factor is severity. Anything over 300-350mg/dl is walking on a tight rope.


Again, Americans tend to be obese. In fact, it is reported that more than 33% of American’s are in some way affected by obesity. Again, health care providers will usually look at the severity of the diagnosis. Usually an individual with a Body Mass Index (BMI) of 26-28 can qualify for coverage. For those who exceed 34, health coverage will be difficult and your life may be in danger.

July 8th, 2015 by AZ Insurance Center