Lifestyle and a Medical Exam Affect Your Term Life Insurance Rates

The way you live affects your term life insurance rates. When you apply for insurance, you will have to take a life insurance medical exam to determine if you'll need the smoker term life insurance rate or another higher rate based on your health status.

Smoking Means Higher Term Life Insurance Rates

As a rule, smoker term life insurance rates are higher because of related medical issues that arise, such as cancer and heart disease. You may be able to avoid the smoker term life insurance rate if you are an occasional smoker who can be classified as a non-smoker. This can result in a more favorable term life insurance rate.

Obesity Also Leads to Higher Term Life Insurance Rates

Like smoking, being overweight leads to higher term life insurance rates. Your life insurance medical exam will determine if diabetes, heart problems, and other issues could be factors in determining your rate. Even if no other health problems are found during the life insurance medical exam you can still find yourself paying a higher insurance rate.

Affordable term life insurance rates are possible. Start making better lifestyle choices now. When you compare term life insurance rates, consider your lifestyle choices and how they affect your life insurance medical exam and insurance rates.