About the Metabolic Syndrome
Metabolic Syndrome is a common condition, and according to statistics, almost 20% – 25% of people suffer from this condition globally. This syndrome comprises of 5 risk factors, which increase your chances of developing diabetes, heart disease or stroke.
In Metabolic Syndrome, one typically experiences high blood pressure, high blood sugar, excess fat (obesity), high levels of triglycerides, low levels of good cholesterol. A combination of all of these conditions can progress to cause life-threatening diseases like a cardiac arrest or stroke. Hence, the Metabolic Syndrome is considered as reasonably high risk for life insurance.
Insurance for individuals with metabolic syndrome
While the Metabolic Syndrome is considered as a moderate to high-risk condition, it is nevertheless insurable basis the risk to the life of the concerned individual. Life insurance companies conduct essential medical examinations, which include tests for sugar levels, blood pressure, BMI and any other underlying medical condition, to calculate the potential risk of life being faced.
Basis, the results of medical examinations conducted, life insurance companies, will take a calculated risk in providing life cover to an individual with Metabolic Syndrome. In doing so, they may revise the proposed life cover to a lower amount. Also, the proposed premium will possibly be loaded to cover risks being undertaken by the life insurer.
The customised premium for insuring life with Metabolic Syndrome
Where the life insurance companies undertake to ensure the life of individuals with the Metabolic Syndrome, they will propose a higher than usual premium as compared to the standard premium payable by people of that age, with this syndrome as a pre-existing condition. The extra premium advised will secure your life for the proposed life cover, and your insurer will honour their commitment to payout 100% of the insured amount to your life insurance beneficiaries, in the event of your unfortunate demise. Speak with your life insurance advisor to check the multiple options available to you for securing yourself. Evaluate the best quotes you can get, with Metabolic Syndrome as an existing condition.
We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
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