- 5 years ago
- Wedding: August 2012
Not sure where to put this one!
So here are some details involving what they require if you want life insurance on yourself:
- Above average health and family medical history, low risk lifestyle.
- No tobacco or nicotine use in 3 years.
- No significant medical history such as diabetes, cancer, cardiovascular or cerebrovascular disease for you OR no more than 1 death of a parent or siblings from these conditions before age 60.
- Cholesterol level not to exceed 250 with or without treatment (with some variance based on age).
- Blood pressure at or below 135/85 with or without treatment (with some variance based on age).
- No history of substance abuse within last 10 years.
- There are considerations such as your driving history, travel to foreign countries, participation in hazardous activities and occupation.
What does this low-risk lifestyle mean? How does one determine if you lead a high-risk lifestyle? Isn’t that all subjective anyway? I’m a little worried about someone getting being able to get life insurance.