Top 5 List of Life Insurance Obstacles

We’ve compiled this top five list of life insurance obstacles to help applicants understand why they may or may not qualify for the highly sought-after best rating class on their life insurance policy. A random sampling of 100 applicants shows that the following five factors influence your life insurance health class: cholesterol, build, blood pressure, family history, and abnormal liver enzymes.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Written by

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

In a perfect life insurance world, everyone who applied for coverage would qualify for the best available rating class and get the lowest premium. However, reality tells us some applicants simply won’t qualify. For them, it may be time to face the difficult truth. We’ve compiled the top five reasons some applicants do not qualify for the highly sought-after best rating class on their life insurance policy. A random sampling of 100 applicants shows the following five most common culprits:

  1. Cholesterol – 25 percent
  1. Build (height/weight) – 11 percent
  1. Blood Pressure – 10 percent
  1. Family History – 10 percent
  1. Abnormal Liver Enzymes – 6 percent

Here are some tips for preventing the dreaded top five from impacting your life insurance policy:

Cholesterol (total cholesterol, HDL, LDL, triglycerides)

If you haven’t been to your doctor for routine blood work in a few years, have it checked a few months before you plan to apply for life insurance. If you have higher than expected results, you can consider lifestyle changes and medication options with your doctor. If your total cholesterol number is over 200, call one of our licensed life insurance agents for help finding the best company to apply with, as certain companies are more lenient than others with cholesterol guidelines. Also, it is recommended you fast for at least eight hours before your exam to get the most accurate results on your blood tests

Build (height/weight)

Your home scale may be 5-10 pounds different from the paramed examiner’s scale. Since you will be measured fully clothed, wear light clothing on the day of your exam and try to schedule an early morning appointment. Be sure the examiner measures your height correctly, as one inch can make a big difference if your weight measurement is borderline. If you have a short examiner, offer her a chair to stand on when measuring!

Blood Pressure

Avoid running up and down your stairs or working out right before your exam, and be sure you are in a calm, relaxed state before the measurements are taken.

Family History

This is not something you can control, but if you have a family history of cancer, cardiovascular disease or diabetes in your parents or siblings, it is best to call one of our licensed life insurance agents to help choose the best company to apply with. Life insurance companies differ slightly on family history guidelines, so choosing the right company may mean the difference between a Preferred Best rating and a Standard rating!

Abnormal Liver Enzymes

These could be caused by certain medications, extreme physical exertion, an infection, illness or something more serious like hepatitis, heavy alcohol use or liver disease. If your test results come back showing abnormal elevations in GGT, ALT or AST, see your doctor immediately. To help get the best possible readings on your exam, put off your marathon training until the next day. And if you are sick, simply re-schedule your exam for a later date when you are better. You can also check with your doctor to be sure your medications are not causing abnormal readings.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

QuickQuote is a BBB Accredited Business. BBB