What Health Factors Determine Your Life Insurance Rates

Tuscaloosa, AL is the site of our robust facility filled with agents who are eager to make your acquaintance. You may wonder how we manage at TCU Agency to be so attentive to the details of your policy. It is because we understand that your time is valuable, so we are diligent and we get it right the first time. 

Many commercials for insurance products that you view on television or the internet today boast about having no health questions. This is a facet of life insurance that heavily relies on individual preference. To ask or not to ask is solely based on the insurance product that you are interested in purchasing as well as the agency you are doing business with.

Asking health questions or perhaps even having new clients complete a medical screening is not a bad idea. It protects you and sometimes you may find out about a health problem you were not aware of.

Smoking of tobacco products will undoubtedly translate to higher premiums no matter which company you do business with. This is the case whether or not the cigarette smoking is proving to be detrimental to your health. This truth is one of the top reasons people decide to stop smoking. 

Some other medical conditions which may determine a higher premium rate are certain cancers, blood disorders, immune system deficiency disorders, and hypertension.  The reasoning is simple – these serious disorders may lead to untimely death thus the higher premium rates.       

Next time you are in Tuscaloosa, AL come into the TCU Agency office and see for yourself. Our kind and conscientious staff will show you we mean business when it comes to serving you and your insurance needs with strength, vitality, and quality. Speak to an agent today to make certain you have sufficient life insurance coverage.