(Closed) a question about life insurance

posted 5 years ago in The Lounge
Post # 1
Member
6124 posts
Bee Keeper
  • 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.

Post # 3
Member
9142 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

@sienna76:  Are you a pilot or moto-cross racer?  Is your job very physical or dangerous (i.e. mine worker, forklift operator, etc…)?

Post # 4
Member
6124 posts
Bee Keeper
  • Wedding: August 2012

@beachbride1216:  I’m thinking more like backcountry skiing and alpine mountaineering, etc.  Everyone thinks these things are super extreme and risky when in fact there is no extremeness to it and every move is calculated to avoid risk!

 

I guess to simplify an answer we’d say skiing and rock climbing as hobbies?

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