by dougmchristensen » Fri Aug 13, 2010 12:33 am
My name is Douglas Miley Christensen, born November 4, 1924. I am 71 inches tall, weight 170 lbs. and am very active physically. I attend yoga classes 5x/week, and have done so for the past 21 years. I walk daily and hike several miles once a week I live at 6,000 ft. in Ketchum, Idaho. I have no illnesses of which I am aware.
My diet is vegetarian, eat only organically grown vegetablesl & fruits.
My diet is vegetarian, eat only organically grown vegetablesl & fruits.
Posted: Fri Aug 13, 2010 03:07 am Post Subject:
Here's the deal, basically none of what you've stated so far is all that helpful in terms of making an insurance company interested in you--except for the height and weight, which is in good order.
Your physical activity and diet doesn't make the insurance company look in one direction or another so here's what they are going to look at.
At your age every possible face amount you would apply for is going to require a medical exam (height, weight, and other body measurements (chest size, waist size, blood pressure), a blood draw, and a urine sample.
You'll also be asked a series of questions concerning your health history.
Factors that will weigh negatively on an insurance company's underwriting decision:
- Personal History of Cancer, diabetes, heart disease, and/or depression (based on what you've stated, you should be ok here).
- Family (mom, dad, brother, and/or sister) history of all of the above mentioned items (except depression)
- Family history that included death involving any of the above items (again except depression) prior to age 60.
- Elevated cholesterol numbers
- Elevated blood sugar levels
- Elevated protein levels in urine
Here's what you must keep in mind, no matter how healthy you appear, or how healthy your doctor tells you you are, the insurance company is trying to determine what the probability of your dying in the next decade or more is, and your age already puts you at a disadvantage (their rules are established by averages, and not by each and every unique situation).
What you need to do to approach this process most tactfully is submit an informal underwriting inquiry to a few insurance companies and get their tentative (probable) underwriting decision before you officially apply. This way to lessen the risk of getting declined. One decline from one company can almost guarantee declines from other companies for no other reason than that you were decline elsewhere.
Getting life insurance at your age is not easy to do, but it can be done.
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