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Do Allergies Affect the Life Insurance Process?

Allergies are common health problems that cause the body to react to certain foods, substances, chemicals or even insect bites. Life insurance is quite a personal buy, and your health plays a major role in deciding your premiums. While major health problems and illnesses are investigated thoroughly by underwriters, what about allergies? Will they affect your premiums? Let’s find out.

How severe is your allergic reaction?

Your premiums are usually not drastically affected by an allergy. Underwriters look at what the allergy is, and how severe the reaction is. If your allergy causes a minor reaction such as a bout of sneezing or a rash, it is generally ignored. However, if it causes a life-threatening reaction like Anaphylaxis your premiums are sure to be higher.

Should you divulge all your allergies to the life insurance company?

Many life insurance companies don’t ask questions about allergies, except in the case of serious allergies like asthma. However, even if you are not asked directly, you should be upfront and reveal the medications you have taken for allergic treatments especially if an allergy has caused you to seek emergency care, or use epi-pen (epinephrine).

If you end up dying from an allergic reaction, and if your medical records show that you have had the same allergy reactions even before you bought your life insurance policy, the life insurance company can deny the death benefit to your family.

The wise thing to do is to divulge all your allergic reactions. The underwriters only scrutinize the ones with severe reactions that require emergency treatment. It is likely that mild allergic reactions will be totally ignored during the underwriting process. Unless an allergy is life threatening it won’t cause a significant increase in your premiums.

Qualify for cheaper premiums in spite of serious allergies

The underwriting process differs for different life insurance carriers. While some companies may charge higher premiums for those with certain allergies or allergic reactions, there are companies out there that may look more favorably on your case. It is difficult to identify these companies on your own, or even through a broker because underwriting guidelines change every few months.

Online life insurance agencies are perhaps the only way to get in touch with such companies. Why? Because they have hundreds of life insurance companies on their database, and changes in these companies’ guidelines are reflected in real-time, in the quotes they give you. When you access a life insurance agency websites, you are asked to divulge some information about yourself. Try to answer the questions about your allergies as honestly as possible, because the quotes are customized to your answers.

That’s not all. You will also be provided with comparison charts for the quotes you receive and complete financial information on the life insurance companies that are associated with those quotes, so that you can make a well-informed decision.

Life insurance is meant to protect your loved ones

Admitting that you have a certain allergy can affect your life insurance rate, but chances are the increase won’t be very significant. On the other hand, not divulging allergy-related information can cause your loved ones to suffer in the unfortunate event that you died from an allergy.

Don’t be afraid of buying a permanent or term life insurance policy if you have allergies. Even if you are paying slightly higher premiums because you have a life-threatening allergy, some insurance is better than none at all. It is your loved ones who matter the most, and this is the right way to protect them.

About Author

About AccuQuote:
AccuQuote is a leader in providing term life quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term life insurance as easy as possible for its customers.

Reading Foods Labels For Allergic Reactions

Foodstuff hypersensitivity or meal intolerance influences practically everybody at some point. When an individual has an unpleasant response to some thing they ate, they generally believe that they’ve an hypersensitivity on the meal. Foodstuff hypersensitivity is definitely an abnormal response to meal that is certainly triggered by a certain response from the immune technique and expressed by specific signs or symptoms. Read the rest of this entry »

Frequent Foods Allergy Symptoms Along With The Reactions They Lead To

Little ones are sensitive to ingredients just like eggs, milk, peanuts, soy, and wheat. At times they outgrow these meals allergy symptoms and at times they may be nonetheless sensitive to particular ingredients as grown ups. Little ones tend to be more probably to outgrow milk or soy allergy symptoms than they may be to outgrow peanut, fish or shrimp allergy symptoms. Read the rest of this entry »

Save your Dog from Spring Allergies

Spring season is not always a happy and exciting period for some dog owners and also for their sensitive dogs. During this time of the year, most dogs often suffer from some sort of allergies and you can only notice these allergic reactions around their three to six years of age. These dog allergies may even get worse every year. Your dog can be able to acquire or obtain these sensitivities through the air, from the food they eat and from their own bodies as well.

As a dog owner, it is your obligation to take good care of your pet during times when he/she suffers from these allergies. It is your task to provide and give medications to your pet’s allergy in order for him/her to survive the season. In order for you to determine if your dog has an allergy, you should observe him first. The thing is even if you do not perform any observation you can still notice when your dog suffers from any allergy. Your pet dog is suffering from allergy when he scratches too much, he/she loses fur or hair, rubbing off his face, shakes his/ her head all the time, loss of appetite, coughing, sneezing, suffering from diarrhea and so many other unusual practices. These are the most common symptoms that you will notice when your pet dog starts to suffer pain due to allergy.

First, you need to look for any allergy indications in your dog’s body, particularly in your pet’s skin. In fact, you can be able to notice immediately the symptoms and the indications. In addition, itchiness and rashes can also be an allergy indication of your pet. These series of warning signs are often noticed all throughout the spring season wherein your pet can be able to inhale the allergies blown up in this season, and the most common allergies, which your dog can acquire are the flea allergies.

In order to prevent your dog allergy from worsening, you must make your first move. You should consult your nearest veterinarian to get some advices and first aids. It is very important to follow all the prescription of your dog’s veterinarian.

You can also apply some natural medications instead of the artificial ones. We all know that some dog’s medicines have side effects that would not be good to their health. There are actually a lot of natural medicines for dog allergies that are sold in the market today. Instead of using steroid medicines, corticosteroids, NSAIDs or the antihistimines medicines, you can use the alternative one – the skin and coat tonic. This type of natural medicine contains natural herbs that will treat and heal your dog’s dry peeling skin, eczema, and itching problems. In addition, it can quickly heal the dog’s skin wounds due to scratches and some infections.

You really need to pay attention to your dog’s health. If they have the symptoms that will indicate allergies, then give him first aid right away. Do not ignore the warning signs for it might get worse and your dog will definitely suffer from those spring allergies. Thus, make sure to protect and secure your pets during the spring time.

It is very imperative to take good care of your pets, not only in spring time but also in all seasons. Let us provide them their needs and make them feel our deep affection for them.

About Author
Joanne Delos Reyes writes for, Australia’s premiere online pet store and 2008 eBay Australia Top Store awardee. Petitude offers quality, yet affordable dog clothes, dog shoes, dog accessories, pet furniture and more.

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