How Life Insurance Companies Determine Your Heart Health [2023]

National Wear Red Day is an American Heart Association (AHA) initiative to raise awareness of cardiovascular disease in women. Funds raised by the AHA during this campaign are used to help women through education programs and support research aimed at learning more about heart health.

The first National Wear Red Day was ten years ago, and since that time significant changes have been made in the fight against heart disease in women. According to the AHA, we now see 21% fewer women dying from heart disease and 23% more women understand that heart disease is their top health threat.

When you apply for term life insurance, the life insurance company will be very interested in just how healthy your heart is.

Having a healthy heart is one key to enjoying an active and long life, for women and men alike. When you apply for term life insurance, the life insurance company will be very interested in just how healthy your heart is.

A healthy heart can result in lower rates for your term life insurance policy. While cardiovascular disease or even family history of such, can put you in a higher risk class – meaning, a higher premium for your policy.

This week we will look at how life insurance companies evaluate your heart health when you apply for a term life insurance policy.  Today’s post will focus on the items collected during the paramedical exam. All companies start by collecting important heart-related items, which underwriters then apply to a set of company guidelines when evaluating your application.

Typical Requirements

The paramedical exam is one tool life insurance companies use to evaluate your heart health. The paramed examiner records the following measurements for the company to review.

Resting Heart Rate – Your heart beats nearly 100,000 times a day. Over the course of a 75-yr lifespan, that’s more than 2.7 billion heart beats! Life insurance companies view lower heart rates as a sign of good conditioning and heart health.

In general, a healthy heart beats more slowly, with 60 – 100 beats per minute considered ‘normal’ for adults. Anything outside of this range can indicate an underlying medical problem.

Blood Pressure – Blood pressure is the measure of the force of blood pushing against blood vessel walls. Typically, lower blood pressure is a sign of good heart health. Higher blood pressure is considered unhealthy, as it indicates the heart is working harder than it should to pump blood.

The AHA considers blood pressure readings of 120/80 or lower to be normal. Readings higher than this are a sign of hypertension, which is the medical term for high blood pressure.

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Cholesterol, LDL/HDL Levels & Ratios

Ah, the fun part of the paramed exam. Yes, the examiner will collect a blood sample from you and one of the components evaluated will be your lipid profile. More specifically, the life insurance company will look at these items.

Total Cholesterol – Your total cholesterol is a measure of your HDL, LDL, and other components. Total cholesterol of below 200 is considered desirable, and a level this low will earn you the best rating class and lowest premium on your policy.

Cholesterol/HDL Ratio – HDL cholesterol is considered ‘good’ cholesterol, as it functions by helping to remove ‘bad’ cholesterol (LDL) from the blood.  A level of 60 and above is considered optimal, with a level of 40 or lower considered a risk for heart disease.

Your Cholesterol/HDL ratio shows how much of your total cholesterol is composed of HDL. The lower total cholesterol is, and the higher the HDL level is, the better (lower) your ratio will be.

Additional Requirements

Life insurance companies will often require further testing if you are over the age of 60, or if you apply for a significant amount of coverage. The age/amount of coverage requirements vary by company, but the following tests are used by most of them.

Electrocardiogram (EKG) – An EKG is simply a test that checks for electrical problems with your heart. The heart contains an electrical system which causes the heart muscle to contract and pump blood. Life insurance companies are interested in EKG readings because abnormalities could indicate serious medical issues.

Stress Test – A stress test, or treadmill test, is only required if you are over the age of 60 and applying for a large amount of coverage, like $10+ million. However, the test could also be ordered by the company if there are abnormalities in the EKG or if the company has other reason to believe it is necessary.

The test itself is just an EKG, heart rate, and blood pressure all wrapped into one. Oh – and all done while you walk/run on a treadmill or ride a stationary bike. The purpose of the test is to determine how the heart responds to exertion.

So those are the heart-related items life insurance companies test for when evaluating your application for term life insurance. In our next post, we will look at how life insurance companies view each of these factors and the effects on your rating class and the premium you will pay for your policy.

In the meantime, take a look at this great video, provided by the AHA and their Go Red for Women campaign!

Sources:  The American Heart Association, WebMD

Case Studies: Evaluating Heart Health for Term Life Insurance

Case Study 1: Resting Heart Rate and Blood Pressure Analysis

In this fictional case study, we examine the impact of resting heart rate and blood pressure levels on term life insurance premiums. The life insurance company conducted a paramedical exam for a 45-year-old individual applying for coverage.

The results showed a resting heart rate of 85 beats per minute, slightly above the normal range. Additionally, the blood pressure reading was 130/90, indicating borderline hypertension.

As a result, the applicant was classified in a higher-risk class, leading to increased premium rates.

Case Study 2: Cholesterol Levels and Ratios Assessment

This case study focuses on the evaluation of cholesterol levels and ratios for term life insurance applicants. A 50-year-old individual underwent a paramedical exam, which included a blood sample analysis.

The results revealed a total cholesterol level of 220, slightly above the desirable range. However, the cholesterol/HDL ratio was favorable, with an optimal level of 70.

Due to the balanced ratio, the applicant received a better rating class, resulting in lower premium rates.

Case Study 3: Additional Tests For Heart Health Assessment

In this fictional case study, we explore the impact of additional tests on evaluating heart health for term life insurance. A 62-year-old individual applied for a substantial coverage amount of $15 million. Given the applicant’s age and coverage request, the life insurance company required an electrocardiogram (EKG) and stress test.

The EKG results showed no abnormalities in the heart’s electrical system. Furthermore, the stress test indicated a healthy heart response to exertion. Consequently, the applicant received a favorable rating class and competitive premium rates.

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