Medical Conditions That Affect Your Insurance Rates the Most

Even though everyone is eligible for life insurance, there are still some medical issues that could make it expensive for you. To know where you stand, we have listed the top medical conditions that affect your life insurance rates the most.


Not all types of cancer affect the rates of your life insurance. For example, skin cancer is mostly regarded by life insurance companies as a low risk factor. However, other types of cancer can significantly increase your life insurance rates. To access your risk level, your life insurance company will look at the type of cancer you have, its severity and the cost of treatment. So, if there is a history of cancer in your family, go for annual screenings and seek for ways to reduce your risk of cancer.


If you have Type I diabetes, which typically develops during childhood, get ready to pay high life insurance rates. In fact, it might even be difficult to find a life insurance company willing to insure you. On the other hand, individuals with Type 2 diabetes can be given lower life insurance rates. And the reason for this is that Type 2 diabetes can be effectively managed with medications and a healthy lifestyle.

Heart disease

This is one medical condition that mostly affects life insurance rates. Any heart disease diagnosis in your medical records always attracts increased life insurance rates. Also, you should expect to pay higher premiums if heart disease runs in your family.


One of the details required during your life insurance application is your body mass index (BMI). If you are seen as overweight, your life insurance rates will increase. And this is because obesity is a major cause of severe health issues such as diabetes, hypertension, and heart disease.

Pulmonary disease

If you have asthma, especially chronic asthma, expect an increased life insurance rate. However, for those with seasonal asthma, your issue will not have any effect on life insurance rates.