pre-existing medical condition Archives - Consumer Insurance Guide

Get Ready For Your Health Insurance Physical Exam – Our Top Tips

By Todd Halterman
March 21, 2017

Shopping for a life insurance or a long-term disability insurance policy means it’s pretty likely you’ll be facing an insurance medical exam. These procedures are also called life insurance physical exams or “paramedical exams,” and if you’ve never had one, we’re here to help answer any questions you might have about the process from start to finish. So first off, what goes on during the exam and why do insurers want you to undergo a…

What are the Key Elements of Disability Insurance?

By Karla Sullivan
January 8, 2014October 18, 2021

Disability insurance comes in several different packages. Check with a financial planner or insurance specialist for the best option.

Tiny ‘lab-on-a-chip’ provides new test for breast cancer treatment

By Consumer Insurance Guide Staff
January 25, 2011June 17, 2014

The idea of using nanoscopic particles to detect and treat breast cancer is moving closer to fruition, according to researchers at Purdue University.

Cigarette advertisements boost rate of teen smoking

By Consumer Insurance Guide Staff
January 17, 2011June 17, 2014

While it is generally known that teenagers are susceptible to the power of suggestion, a new German study has found that exposure to cigarette advertisements significantly increases the chances that a teenager will pick up the habit.

Cost of U.S. cancer care to take off in coming decade

By Consumer Insurance Guide Staff
January 14, 2011June 17, 2014

Cancer treatment in the U.S. could be set to skyrocket in cost, posing a potentially severe problem for patients and insurers alike, according to a study from the National Cancer Institute.

CDC: Asthma now affects 8.2 percent of Americans

By Consumer Insurance Guide Staff
January 13, 2011June 17, 2014

Slightly more than 8 percent of Americans suffer from asthma, according to the Centers for Disease Control and Prevention, which also found that factors like location and economic status can influence the development of the chronic illness.

South Dakota votes against smoking

By Consumer Insurance Guide Staff
November 4, 2010June 6, 2014

Those who smoke are frequently faced with an array of health conditions and higher life insurance premiums as a result. Medical professionals have long linked the habit to increased risks of cancer and lung disease.

Those who smoke aren’t the only ones affected by cigarettes. According to the Centers for Disease Control and Prevention, nearly 50,000 deaths per year can be attributed to second-hand smoke. Despite this, hundreds of people start smoking every day in the U.S.

Donating life and raising premiums

By Hollie Smith
October 5, 2010September 8, 2014

There are indeed instances where living donors are faced with higher insurance premiums or a pre-existing waiting period.

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Americans advised to control sodium intake

By Consumer Insurance Guide Staff
October 1, 2010June 6, 2014

The federal government has announced that it is stepping up its efforts to help Americans enjoy healthier lives by encouraging lower sodium use.

Excessive sodium consumption can contribute significantly to high blood pressure while also contributing to chronic medical problems in the longer term. In turn, chronic medical problems are often a red flag to insurers that can trigger higher health and life insurance costs for consumers.