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Life insurance company drops rates for those with coronary heart disease

Posted On Fri, October 22, 2010

There are a variety of conditions that are known to drive up life insurance premiums. Coronary heart disease and obesity are two such known ailments that typically result in rate increases.

The Centers for Disease Control and Prevention says more than 445,600 people died from coronary heart disease in 2005. Those with high blood pressure, cigarette habits, and diabetes are at a higher risk of developing the disease.

Despite these statistics, the Hartford Insurance Group recently announced it was bucking the trend and lowering rates for individuals diagnosed with coronary heart disease. The insurer's chief medical strategist, Dr. Robert Pokorski, says that older people diagnosed with the condition generally live as long as those who have not.

This change could result in significant savings for some people. The Hartford says older adults may qualify for the same rates as those without conditions six months after undergoing bypass surgery if they are otherwise healthy.

It's important for people to discuss their life insurance needs with ah professional. Premiums can vary greatly depending on personal situation and plan type.

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