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life insurance assessment
I'm applying for private life insurance and long term disability. The nurse came by this morning to measure BP, weight, take blood and urine and ask that gigantic list of questions.
All went well. I was worried about my weight due to monthly water weight gain but the scale she was using must have been off since it measured me about 6 pounds less than mine. Whatever, I have a healthy BMI regardless.
The health questions are what gets to me. I am super healthy but of course I have had a few diagnostic tests in the last 5 years. I had a pelvic u/s for female issues (nothing found) and an EKG because I passed out in the shower after working out (again, everything fine).
THEN, the questions about parents - my Mom passed away suddenly 3 years ago from a brain aneurysm. I'm nothing like my Mom was, I don't have high blood pressure, don't smoke etc but it will still be held against me. I have never even been to the ER for a health issue or been in the hospital in my 31 years!
I just needed to vent. I don't want to pay a ridiculous amount for my insurance and I also don't want them to put any restrictions on my coverage because of my mothers history.
Has anyone ever had any experience with insurance?
Re: life insurance assessment
I had to list a whole pile of things to my life insurance because my dad is currently on chemo and steroids. It didn't affect my initial quote.
Regular health insurance on the other hand, ugh, They take every little thing and make it cost you more.
Don't worry - you'll be fine. They ask those questions so they can follow up with your doctors. As long as you told the truth - ie the results were normal, it won't count against you.
My husband had a heart condition as a kid, but grew out of it. He had been to a cardiologist and had all kind of testing done the year before we applied and it actually worked in his favour because they could be conclusive that there were absolutely no issues.
Same with family history. I didn't hurt his rating and his dad had a heart attack in his early thrities and died of cancer around 35.
I wouldn't worry too much. They have to ask all the background questions to have it on file. Your mom's history I don't believe will affect the quote too much. They base it on your own personal history first, because not everything that happens to parents happens to their children too. It's just a precaution.
Speaking of insurance...I really need to get on top of some STD & LTD insurance. I'm covered for everything and anything else but not disability.
I had the same worries as you. I am (always have been) a non-smoker, not overweight, high BP *but* it has been high and I have seen a doc regularily about it since I was 10 years old so this - they tell me - isn't a concern, no health issues...but my family history reads like a medical encyclopedia! Not good! Once they did all the tests they needs to for our coverage level, my urine test came back "showing something" that resulted in me having to accept a slghtly lower coverage. The insurance woman, while she couldn't tell me what the "something" was assured me that if it had been an urgent medical matter would have been disclosed. She did say, however, that there are some instances where, if you are aware of the "something" it may affect future eligibility for coverage. We chose not to have the results sent to our doctor for that reason alone. Our premiums didn't increase as a result. I'm sure itll all be fine for you.
I work in the life insurance industry and that is completely normal. I wouldn't worry too much. I haven't seen alot of policies rated/reduced to family history.
ETA: Sorry, I was just fixing breakfast for my little one. I wanted to expand on my answer. Mostly, insurance companies are concerned if for example, you have high blood pressure/cholesterol and one of your parents passed away from a heart attack. Usually for unrelated things it's not a big deal. If for some reason your policy is rated, you can ask the insurance company to send the reason for the rating to your doctor and your doctor can discuss it with you.
Yes. I wouldn't worry about it. My husband and I went through the same thing. They originally quoted us a price, which we felt was reasonable. Then we had the nurse come over. My husband has high blood pressure, and a family history of early heart attacks. My family has a history of cancer and heart conditions. When I was a teen I had some heart problems due to a minor birth defect and had a ton of testing related to that. So neither of us were 100% healthy, but despite that not only were we approved, but they knocked $10 a month off our rate because we were healthier than average. Go figure.
We pay $83 a month, total, for both of us. We're covered for 1.5 million, 20 year term. I don't think that's too bad.
Thanks for the support.
It was kinda funny, the nurse asked what my blood pressure normally is and I said normal ...120/80ish. I asked why, she said it was like 105/60. I try to live a healthy lifestyle and do TONNES of aerobic exercise so my resting HR and BP had better be fantastic. lol
The nurse is only doing her job, so don?t worry about these procedures. The health and family medical history questions posed to you by the medical authorities may sound daunting, but they are a part of the formalities to be completed before applying for a life insurance policy. The rating of your insurance may not drop or vary significantly unless there are serious medical complications that you haven?t disclosed earlier. I would recommend that you apply to as many reputable life insurance companies as possible, since rates differ from company to company. Not all companies look at medical history unfavorably. Online life insurance quote providers can help you get some of the best rates along with each life insurance company?s ratings. You might find online resources such as Life Insurance 101 helpful as well.
Denise at AccuQuote
Disclaimer: I work for AccuQuote and this is my personal opinion.