One of the many reasons Americans have no life insurance is that they believe that they will not qualify, or that if they do qualify, the price will be too expensive. It's not always the case.
Many people are able to find affordable coverage despite common health conditions. the life insurance companies determine rates depending on the severity of the condition and whether it is currently being processed or not. With the help of a doctor, a condition can be managed so that it has minimal impact on life insurance rates.
The life insurance companies against risks by giving customers a healthy note. In general, three notes are more standard, preferred and preferred. In general, there may be a change from 20% to 30% of a note to another, according to the company. Examples of common health conditions and how life insurance companies can meet
Hypertension :. High blood pressure, or hypertension, can lead to serious health problems if left unmanaged. Life 
Insurance companies will determine the rate class of customer depending on the severity of the condition and if managed with medication or not. Generally, a person with 150/0 or less with drugs can qualify for standard rates. A preferred rate would likely be someone with 140/0 or less without medication
high cholesterol. More than 102 million Americans over 20 have high cholesterol. This is defined as the total cholesterol level of 0 mg / dl. life insurance companies may classify you as a regular with cholesterol does not exceed 300-350 mg / dL. Less than 250 mg / dL may qualify for preferential rates, while 220 mg / dL or less with drugs can put you in the preferred class
Anxiety :. 18% of the American population suffers from anxiety, making it the most common form of mental illness. Life insurance companies consider as a risk because it can lead to other health problems such as depression, addiction and insomnia. Candidates with anxiety that are managed on a drug prescribed by a primary care physician can usually qualify for the preferred class and health
Obesity :. With over 33% of Americans are affected by obesity, it is one of the most common health conditions that life insurance companies treat. Most companies use the body mass index number (BMI) to determine if the rate class of an applicant. Usually a person with a BMI of 26-28 can qualify for preferred and, while a BMI of 27-34 may be preferred, and 35-38 or more will be standard
acid reflux :. with nearly 19 million Americans diagnosed with acid reflux (GERD), it ranks as one of the most common health conditions. As it can lead to ulcers and possibly cancer, life insurance companies consider it a risk. The good news is that most people who treat their mild GERD with over the counter medications can qualify for the rates of most preferred. Those taking prescriptions for mild to moderate GERD can qualify for preferred, and moderate to severe GERD with ongoing treatment or surgery would qualify for standard rates.
Do not let fear high prices keep you from getting life insurance coverage you need. Millions of people suffer from these common health conditions, and many of them could qualify for a preferred class or more preferred rate. Remember that many of these conditions can be improved with the help of a doctor, medication, diet and exercise.
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