Can Being Anti-Vaccines Affect Your Life Insurance Rates?

anti-vaccine affect life insurance rates


Getting life insurance is a top priority for most families. If you have young kids, it’s wise to not only have a proper health insurance plan, but also a life insurance plan for yourself. If anything happens to you, your kids and family could be covered and provided for.

Vaccinations & Life Insurance

However, a big question many parents have is what so-called “anti-vaxxers” should expect. It is not just Americans who are anti-vaccines. In fact, the World Health Organization named “vaccine hesitancy” one of the top 10 global health threats of 2019. Here are the basics of what you need to know.

Does being against vaccines effect or raise insurance rates? This is a valid question, as an estimated one in ten parents in the country do not follow the Centers for Disease Control and Prevention’s (CDC) recommended vaccination schedule. This means that their children are at risk for up to 16 diseases, many of which are fatal.

Higher Risk, Higher Pay

Your mortality risk will be calculated before you are given an insurance quote. Mortality risk essentially means, how likely you are to die during the policy you have chosen. This is based on your current state of health, and what the physicians may deem likely to happen to you in the future.

Because insurers need to determine your life expectancy, they will do certain physical checks during your medical exam. However, the question of whether or not you have vaccinated is not usually asked.

Many experts on life insurance policies agree that the anti-vaxxer factor would only become an issue or problem unless it is highly likely that you or your family falls ill to a fatal condition in the future.

Now, if you are an anti-vaxxer and your physical checkup shows you in a perfect state of health, the doctors will still consider your current and future actions, and how this affects your life.

Expect questions such as, “Do you have any chronic conditions?” “Is there a family history of fatal illnesses?” “How often do you see a doctor?” “Are there any allergies, and if so, how are they being treated?”

What to Expect from Medical Under-writing

This will be much like a traditional medical exam. Your height and weight will be measured, your blood pressure will be tested, and you will probably also undergo both a blood and urine test.

These are essential to determine your risk for such illnesses that commonly lead to death: stroke, diabetes, or cancer, for example. Urine tests also show signs of drug use/abuse.

During this test, it is unlikely that your vaccination tests and history are questioned. That said, if there are any red flags after the testing, or if the physician has reason to suspect that you are not in full health, they will need to present the insurer with a medical statement.

Just make sure that the illness you are not vaccinating against will have no long-lasting effects on their health. Then, you should be okay.

What Other Details Do Insurers Want to Know for Life Insurance?

Although each firm is different, many will also ask about family medical history. You might need to disclose whether or not any close relatives (usually parents and siblings) have suffered serious medical conditions.

This is because many health conditions can be genetic, or likely to be inherited. This will, of course, be subject to your physician’s consultation, and they cannot deny you an insurance plan based on family history alone.

You can expect that insurance underwriters will charge you more after calculating all the risks. However, if they suspect that you have a shorter life expectancy, this is just caution on their part.

It may seem like common sense for insurance underwriters to charge everybody the same, but then, for very healthy people or those with long life expectancies, it could seem unfair as well.

Never Hide the Truth

A standard procedure for life insurance application is filling out forms, documents, and questionnaires. These papers will be examined, scrutinized, and also may need to be confirmed by the findings of your physician before insurance is allowed.

Many folks are tempted to be untruthful when writing these documents. But we highly advise against that. The best thing is to be upfront about all of your past medical history, and where you see your condition in the future.

If a question of vaccination ever comes up this is also the best time to be honest. Not disclosing your full situation puts both you and everyone else at risk.

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