Do my blood pressure or cholesterol or any of that have anything to do with the rates I get for Tallahassee FL term life insurance?

Julia

Thanks for asking, Julia.

Actually, they do, just as any other health problem or quirk will affect your Tallahassee FL term life insurance rates, so will anything like blood pressure problems or cholesterol. You’re more likely to get good rates on your insurance policy if these things are in the clear.

If you have high blood pressure or high cholesterol, then you are at a greater risk for many things, one of the most serious of which is heart disease. You are also more likely to get kidney disease, have your heart fail, or have a stroke. You’ll probably be asked some questions on your Tallahassee FL term life insurance policy application, but in the and the information will come out in your physical.

To get good Tallahassee FL term life insurance rates, your blood pressure should be under 140/90. As for your cholesterol, try to keep it under 200 to get the best deals (and to live longer, of course).

take care,

Fashun

Should I mention that I’m taking medication when I compare Tallahassee FL life insurance rates?

Caroline

Thanks for asking, Caroline.

Oh, yes, you definitely should. Many people are afraid to admit that they take medication when they compare Tallahassee FL life insurance rates because they think it indicates there is something wrong with them and it makes it more likely for them to get higher rates. But you know what? If you’re taking medication, there is something wrong with you, and your life insurance company will find that out whether you want them to or not through the medical exam or through a later weakness on your part. Not revealing that you take medication will just prolong the misery.

As a matter of fact, it can even be better for you to reveal your medication when you compare Tallahassee FL life insurance rates. You know what taking medication indicates? It indicates that you are doing what you can to keep whatever condition you have under control. It would be much worse for you if you weren’t taking medication at all, or if your medical exam uncovered something previously undiagnosed.

take care,

Fashun

I have some medical problems. Is it better to buy Tallahassee Florida term life insurance online so that I don’t have to undergo a physical?

Jordan

Thanks for your question, Jordan.

You can buy Tallahassee Florida term life insurance online and avoid getting a physical, but there are ways that these online companies make up for not testing their policy holders for medical conditions. They charge you much higher rates for this luxury, and on top of that they offer you much smaller amounts of coverage than regular companies do. Also, not all companies which offer you the chance to buy life insurance online forego physicals. Some even have it to where you can schedule an appointment for a physical online.

The truth is that those who buy Tallahassee Florida term life insurance online just so they can avoid getting a physical might not be so harmed by the physical as they think. Rather than just guessing what gettind a physical might do to your life insurance rates, you should at least get one first and see, and then compare those rates to the ones offered by the no exam companies.

take care,

Fashun

I smoke a cigar from time to time. Do I need Tallahassee Florida smoker life insurance? No, right?

Jackson

Good question.

Don’t be so fast, Jackson. The answer from your Tallahassee Florida smoker insurance company will vary depending on how you (and they) define ‘from time to time’. Even if you think that smoking cigars is somehow better than smoking cigarettes, you have to think again. As a matter of fact, many good cigars have as much tobacco just in one as there would be in a whole pack of cigarettes.

Companies are a lot more forgiving when it comes to Tallahassee Florida smoker insurance if you smoke cigars than they are if you haven’t smoked a cigarette for four years. The typical way of doing it is that if you smoke fewer than 12 cigars each year, then you’re okay. Any more (and why would you need to celebrate every month, anyway? You must have an eventful life) than that, and you will be rated as a smoker.

Not only do you have to smoke fewer than 12 cigars a year, but when you have a urine test done on you at your medical exam, it needs to come out clean of any nicotine.

take care,

Fashun