If you have metabolic syndrome and need life insurance, we can help you. 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, Metabolic Syndrome underwriting follows the same guidelines as someone with type 2 diabetes.
What is Metabolic Syndrome?
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 any 3 of the 5 risk factors, you may have metabolic syndrome and be at risk to develop Type 2 Diabetes.
What are the 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.
What to Expect from Life Insurance Underwriters
Each of the above risk factors by themselves is easy enough 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 the results in your file as well as your paramed insurance exam.