Choosing an insurance policy isn't always exclusive with personal preference. A variety of risk factors not only play into a person's own decision, but can move life insurance rates considerably in either direction. Fortunately, research shows not every health condition should push costs up.
Qualifying for life insurance requires proof of insurability of all one's medical circumstances - a process called underwriting - which then render a portfolio that fits the needs of the policyholder. Several things can affect the shape of a plan.
Driving record, travel history, drug or alcohol use and family background are all influences, but a new report by ScienceDaily indicates that evidence of common allergies can counteract price-hiking risks of cancer caused by the latter.
"These findings back up the 'immunosurveillance hypothesis,' which holds that people with allergies are less likely to develop cancer because their immune systems are super responsive," the source reported from authors of the British Medical Journal.
17,000 subjects were tested over the course of 24 years and included cancers affecting at least 40 people each. Rates of breast, skin and brain cancer were found lower in the 35 percent who reacted positively to a contact allergen.
"Some risk factors you can't control," explained London Free Press, but optimizing health in as many ways for which one can provide evidence will only make rates more affordable.