Life Insurance Rates and Your Health

This is a partnered guest post.



Individuals need life insurance for many reasons, including providing support to a dependent spouse and children, money for final medical expenses, and money for the funeral and burial process.



Connection Between Responsibilities And Coverage

Most people know that the amount of life insurance that someone needs varies with their age and responsibilities. A primary wage-earner in their 20s with a non-working spouse and young children might need a higher amount of life insurance benefits than someone in their 40s with no children and a spouse who works. However, even older people in their 50s or 60s increasingly have dependent children at home. Moreover, a working spouse might lose their job or become unable to work in the future. In addition, a spouse might survive for many decades after the insured dies, which leads to the need for a higher amount of life insurance.



Life Insurance Basics

Insurers issue policies for a certain face amount, which is the amount of money the person named as the beneficiary will receive if the individual whose life is insured dies. The rate an insurer will charge for coverage depends on several factors. Those factors include age, occupation, engaging in risky activities like racing, skydiving, or mountain climbing, financial health, lifestyle choices such as alcohol, tobacco, or drug use, general health, and the face amount of the policy.



Connection Between Health And Coverage

Many people are not aware that there is any connection between life insurance rates and one’s health. Nevertheless, the health of an applicant helps to determine the premium amount on many types of life insurance policies. Moreover, if an individual waits until after their health declines, they might find themselves struggling to obtain any amount of life insurance and end up having to purchase high-risk life insurance.



Common Health Problems That Can Affect Coverage

There are a variety of health conditions that can affect the rate an insurer will charge. Those conditions include high blood pressure, heart disease, cancer, organ transplants, diabetes, particularly if the applicant is younger, depression, obesity, asthma, and sleep apnea.


The truth is that health problems not only can result in higher premiums but also in a denial of coverage at any price. However, every insurance company looks at risk differently. A health condition that results in one insurer turning an applicant down might only cause another insurance company to charge a higher premium. That is why it is so important to answer every question in an application fully and honestly. If an insurer later finds an applicant failed to disclose a medical condition, it might result in the insurer canceling the policy, which could be grounds for an insurer to deny a claim.



Changes That Help

Just because an individual with a chronic medical condition such as diabetes, high blood pressure, or asthma is charged a higher premium or denied coverage at one point does not mean that will always be the case. If they later get their condition under control, any general improvements in health can lead to lower rates.



Finding Coverage

Because not all insurers treat all risks the same way, it can pay to get quotes from many different insurers. One of the easiest ways to do that is by visiting





I'm a mother of 2 who likes to get involved in too much! Besides writing here I started a non-profit, I'm on the PTO board, very active in my community and volunteer in the school. I enjoy music, reading, cooking, traveling and spending time with my family. We just adopted our 3rd cat and love them all!

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  1. Jenn @therebelchick says

    Life insurance policies are so different, you can always find one to work with for budget!

  2. Luckily, my health is pretty good, but I am getting ready to look into new coverage and am scared of what the rates are going to be.

  3. Thanks so much for sharing!

  4. Thanks for sharing!

  5. Such helpful info to know. thanks so much for sharing!

  6. I always run into trouble with health related things since I’ve had asthma since I was a kid. I’m good on the other stuff though so hopefully we can find a company that accepts us.

  7. I used to live on this stuff.

  8. Well,it does make sense to pay more if you aren’t healthy… of course it’s not what anyone whats to hear.

  9. Great info! I definitely recommend purchasing life insurance before you have health problems. It’s so inexpensive to get when you are younger and healthy.

  10. We have a policy for Hubs. We need to get one for me too.

  11. I just got a large policy on myself! I was suprised how inexpensive it was.

  12. thanks for sharing! Insurance is something that stresses me out – especially with a family!!

  13. I need to get an additional policy for my husband. We have four children now and there is no way I could support our family on my own.

  14. Helpful post!

  15. I currently only have our work policy.

  16. I need to look for another plan so thanks for the tips.

  17. Great tips.

  18. I’m glad we have a good plan — but I remember being worried during the search. These tips would have helped.

  19. I have life insurance, but it’s term. I only wish I knew to purchase whole life instead.

  20. Great post!

  21. Thanks for some great tips.

  22. I know I need health insurance but I can’t afford the premiums so I’ve been chancing it for years now. 🙁

  23. ive had life insurance since I was 21 lucky hubby supplies health insurance though work

  24. We have a good life insurance and tht makes me feel more secure!

  25. So not something I ever want to think about, but when you are a parent, the reality is, you have to!