Why is my health history important if I am healthy now?
Your personal health history serve as indicators of health risks, which can manifest as serious health problems in the future. That is not to say that all former ailments can affect your insurability, but some diseases, particularly varieties of cancer with a high incidence of recurrence, can significantly impair your insurability.
Simliarly, your family health history can provide indications of certain health risks. Some diseases, such as cancer, heart disease, and diabetes, trend through families, so a significant incidence of any one of them among your biological relations implies a risk for yourself.
Both these histories are significant factors in determining your rate class, but each life insurance company is at liberty to weigh them after their own manner. Comparing life insurance quotes from a variety of insurers may lead you to a company that does not penalize you or only penalizes you slightly for your particular risk factors.
If your personal or family history impairs your insurability to the point that you think you do not qualify for standard rates, you would do well to work closely with one of our expert life insurance advisors. Our team has succeeded in getting standard rates even for applicants who had previously been declined coverage!
