Do insurance premiums change depending on your health condition?

Generally, the older you are, the more expensive life insurance premiums you will pay.

This is because the risk of illness and death increases with age.
Insurance premiums vary depending on not only age but also health status.

The conditions vary depending on the insurance company and type of insurance.
For example, you may be able to reduce your insurance premiums by meeting the following conditions:

- Your blood pressure is within the range specified by the insurance company.
・BMI value is within the range specified by the insurance company
・There is no disclosure required by the insurance company

Conversely, depending on your health condition, insurance premiums may be increased or you may not be able to enroll in insurance at all.

In addition, there are insurance policies (relaxed underwriting standards) that make it easier for people with chronic illnesses or past illnesses to join.
The premiums are higher than regular life insurance and medical insurance.

Whether you are considering new insurance or already have insurance,
Please feel free to contact us for any inquiries.
We look forward to your visit.

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