Could My Genetic Makeup Prevent Me from Buying Life Insurance?

Could My Genetic Makeup Prevent Me from Buying Life Insurance?

If your grandfather was an alcoholic does that mean that you’re destined to be one as well? What about your mother and aunt who have both been diagnosed with breast cancer? Your genetics determine more than the color of your eyes and skin, they present a detailed map that illustrates familial traits, ticks, and in some cases, the odds of being stricken by a serious illness.

Read More

Does Having Adult ADHD Affect Life Insurance Rates?

Does Having Adult ADHD Affect Life Insurance Rates?

Persons with Attention Deficit Hyperactivity Disorder (ADHD) tend to be fidgety, inattentive, easily distracted and have problems with organization—none of which will necessarily affect life insurance rates. It’s the problems often associated with more severe cases—those who have problems with alcoholism, substance abuse and addiction, depression and extreme risk taking, for instance—that will see rates to soar, or find that they are uninsurable altogether, insurance experts say.

Read More