Metabolic Syndrome Overview
If you have metabolic syndrome and need life insurance, we can help you with companies specializing in high-risk conditions.
Table of Contents
Metabolic syndrome, while not an endocrine disorder,
Is a cluster of conditions that may lead to endocrine conditions such as diabetes.
Metabolic Syndrome is a health condition, and for practical purposes,
Follows the same guidelines as someone with type 2 diabetes.
Close to 50 Million Americans have metabolic syndrome. Many don’t even know they have it.
There are 5 Risk factors, according to the American Heart Association.
If you have 3 of the five risk factors, you may have metabolic syndrome and be at risk of developing Type 2 Diabetes.
Metabolic Syndrome Life Insurance Risk Factors
Large Waist Size – 35 inches or larger for women and 40 inches or larger for men.
Blood Sugar – a fasting glucose level of 100 mg/dl or higher.
Cholesterol – HDL (good cholesterol) less than 40mg/dl for men or 50 mg/dl for women…OR taking cholesterol medication.
High Blood Pressure – Blood Pressure of 135/85 or higher OR you take blood pressure medication.
Triglycerides – 150 mg/dl or higher OR taking cholesterol medication.
If you have been diagnosed with heart disease, such as a heart attack history, let us know, as it affects underwriting.
What to Expect from Life Insurance Underwriters
Each of the above risk factors is easy to work with from a life insurance underwriting standpoint.
Life insurance underwriters look at your medical file, and if your doctor has mentioned metabolic syndrome in your file,
Underwriters will be less aggressive with their underwriting offers, and you will pay more for life insurance.
If “metabolic syndrome” is not mentioned in your files,
The underwriters will look at your file for the above risk factors and underwrite you based on your paramed exam results.
If you make changes and your health improves, we can look at things like the Aspire program to get you a better rate.
Michael J. Horbal
Owner of RiskQuoter
Too many people overpay for life insurance because they end up with the wrong life insurance company, agent, or both. That’s why I started RiskQuoter – To help you get the best life insurance rates available.
As an independent insurance agent, I’m licensed in all 50 states and the District of Columbia and offer 40+ life insurance companies to ensure you get your best rate!
By Michael Horbal – updated on – 10/25/2022