Life insurance will raise premiums due to high blood pressure being an early indicator of cardiovascular disease, kidney disease and chronic heart failure.Read More
When a medical exam and questions is part of the life insurance application this is a standard way to obtain information from a doctor or medical facility.Read More
Established in 1902, the MIB serves as a valuable asset to both the life insurance industry and the insurance-buying public. It keeps premiums costs low by helping to detect insurance fraud, which costs the industry millions of dollars every year. If you’ve ever applied for life, health, or disability insurance, chances are you’re in the MIB database.Read More
Insurance companies have a number of preexisting medical conditions that increase risk. Whereas most preexisting medical conditions are illnesses that directly impact the mortality of an individual, several politicians and advocacy groups question whether some insurers have taken these clauses too far. In the past, some insurance companies believed that a victim of domestic violence brought the same health risks to the table as those with pre-existing medical conditions such as diabetes and heart disease….Read More
We’ve all had times in our lives when we didn’t feel at the top of our game. Maybe it was due to a job loss or the death of a family member; there are numerous reasons for feeling down.
However, according to the National Institutes of Mental Health, for 26.2 percent of Americans age 18 and older this feeling of hopelessness is due to a diagnosable mental disorder. That is approximately 14.8 million adults suffering from a major depressive disorder and about 40 million adults suffering from anxiety.Read More
The Medical Information Bureau serves as the clearinghouse for confidential medical data on applicants for life insurance.Read More
Lung disease encompasses a wide range of afflictions—from the very treatable pneumonia to the controllable but not curable emphysema to lung cancer, whose victims have a five-year survival rate of just 6 to 15 percent.Read More