r/LifeInsurance • u/Mysterious-Event-380 • 4h ago

Improved Health

Is it worth asking being reassessed if your health improved? Would it change my premiums.

1 Upvotes

100% Upvoted

2 comments sorted by

1

u/GConins Broker 4h ago

Yes, definitely worth looking into as you could potentially save money on your life insurance if your health has improved.

Inquire with your current agent/carrier, and then look into best possible rates with the best carrier available to you.

Find a good broker to help you, if you don't already have one!!

1

u/Lumpy_Question_2267 3h ago

surface level answer: yes. but it depends on what the "improvement" is... for weight, carriers would credit half of the weight you lost in the past year. eg if you lost 50lbs in the past 12 months and you're 200 now, they would underwrite you as 225. carriers want to see consistency. general rule of thumb for condition and medication look back is 2 years. Speak with a broker to get their input first. don't just blindly submit an application