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Life Insurance and Heart Health

What are your risk factors? What can you do about it?

February is Heart Month – a perfect time to check in on our heart health knowledge.  Many people still do not know that heart disease and stroke are leading causes of death in the western world. Heart disease is the number one killer of women – more than cancer and other conditions.

Heart disease is also one of the biggest influences on raising your premiums for life insurance. It is not uncommon for someone to receive a low preliminary quote on their life insurance, only to be shocked with the final premium after the required medical exam revealed heart disease risk factors.

Here are some of the more common heart disease risk factors:

  1. High blood pressure
  2. High cholesterol and/or triglycerides
  3. Obesity
  4. Smoking

The Good News

Many life insurance companies will still give you preferred rates if you have only one or two risk factors and as long as you are taking measures to keep them under control. The rest of the good news is that many of the risk factors for heart disease are reversible. You can take steps to improve your health that can improve your quotes for life insurance.

  1. Adopt a heart healthy diet.
  2. Exercise regularly.
  3. Lose weight.
  4. Stop smoking.

Simple steps – but, of course, rarely easy ones! You can find lots of great resources to help you be successful at

One More Thing About Life Insurance

Always tell the truth. If you have been diagnosed with heart disease risk factors you must disclose this when applying for life insurance. Lying can put your policy at risk and these factors will likely be discovered through the required medical exam. Ask your independent insurance agent for more guidance on applying for life insurance. We can help you figure out what’s best for you.


Alpha & Omega Financial is proud to support Go Red for Women through the Red Dress Cocktail Soiree  on February 28th, 2013 in Chandler AZ. Come on out and join us in the fight against heart disease.  Call us at 480.792.1000 for tickets or go here to buy tickets online.


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