As it maybe, you’ve decided to start scouting around for life insurance. There isn’t any way around it. Eventually everyone at a certain age will want a policy in position to guard family and loved ones from outstanding debts once they aren’t around any longer. Understanding what affects a policy’s costs and your capacity to acquire a particular policy versus another is not common knowledge to most. So, we spoke with to examine the following five factors underwriters look at when determining rates plus, your eligibility for a policy.

diabetes, diabetic, insulin, health, medicine, life insuranceDiabetes

A carrier would like to be aware of how you treat the illness and any medical complications caused by the disease. So, once it’s disclosed on the application that you are a diabetic expect further questions through the insurer while under consideration. The better looked after the condition is, the simpler it is to buy a life insurance policy. A bad impact on your rates will also come if additional health conditions or ailments are disclosed as well as your diabetes.


smoker, smoking, cigarette, tobacco, life insurance, health riskSmokers and Chewers Be Cautioned

Most significant differences in life insurance policy rates is most visible between smokers and non-smokers. Contestability clauses can also be added to most life plans. This basically ensures they can deny a commercial insurance claim because of misrepresentation or fraud by those people who are smokers and report themselves as non-smokers. So, though you may know your rate is going to be higher, be certain that you’re honest and upfront about how much and how often you smoke.


Anti-Sleep Disorders (as well as other breathing conditions)

From mild to severe, sleep disorders also comes in many shapes, forms, and sizes. An apnea/hypopnea index (AHI) is usually considered when insurers determine your rates. When apnea is untreated, these breathing intermission can lead to other issues such as hypertension. This in turn can further hike up those rates when getting the insurance quotes.


Clinical Distress

If you suffer from severe or high levels of depression you may be considered a “dangerous” category of insurable individuals. Cardiovascular issues, high stress levels, and disease fighting capability problems can all stem from depression. Medications you take and manners in which you are treating your depression will be considered when insurers are determining rates as well.


Family history

Underwriters want to know exactly what sort of medical history your family has had. Mainly because there are numerous medical issues considered hereditary that underwriters will want record of within the family. If issues found are minor this shouldn’t affect rates, but diabetes, cancer, or occurrences of cardiovascular disease in the family will greatly affect your coverage rates. Keep this in mind when getting your quotes for coverage even if you are currently in peak condition.

Upon meeting with a Jeff Kincaid Insurance Agent, you will be walked through each step of the process. When the best policy is found, you can receive an insurance quote almost immediately. Everything will reviewed with you before choosing a plan coverage by an underwriter who is dealing with your insurance coverage quote. Each and every detail is going to be discussed. Any questions you might have about coverage and rates will also be answered. Get going protecting your family’s future today! Give us a call to start the quote process today. Learn more by visiting