Top 10 Causes for Life Insurance Declines and Premature Death in Men!


What’s this?  COPD stands for Chronic Obstructive Pulmonary Disease.  In its simplest form, it is a progressive disease where it becomes harder to breathe.  It’s a long term and permanent disease with its main cause due to smoking.  So far, smoking plays a role in 4 of the top 5 killers of men.

If you’re still puffing you might get the opportunity to be pulling around one of those cute little oxygen tanks to help keep you breathing so you aren’t gasping for air and turning blue.  Although it can be treated there is no cure.  Think about that the next time you’re about to light up.

6. Diabetes

You might not think that this all that serious.  Here are few grim facts to change your mind.  Roughly 12 million men or 11.2% of the population over the age 20 have this disease.  About 90% of this group has Type 2 diabetes.  One in three people who have diabetes also have 2 other serious health problems.

About 2/3’s of people who have Type 1 diabetes will die from a heart attack or stroke.  Type 2 diabetes, which afflicts the majority people with diabetes, is the most treatable.  The best way to tackle it or even prevent it is through diet and exercise.  So, don’t you think it might be a good idea to put down that greasy slice of pizza and get off the couch!

You might imagine with its prevalence, we are quite the experts at helping diabetics find affordable life insurance.  Visit our diabetes life insurance article.

7. Influenza and Pneumonia

These 2 causes of death take about 54,000 people a year in the U.S. and a lot of it can be prevented.  A flu shot may not be a guarantee against the flu but it greatly reduces the risk especially the older the man.

Washing your hands during cold and flu season is easy and can save you a lot of grief.  If you do get a serious chest cold, don’t tough it out, go and see the doctor.

8. Suicide

This cause of death is bothersome because men are 4 times likely to commit suicide than a woman.  The main cause of suicides among men is due to depression.

If you have a history of any mental health disorders such as anxiety, depression, PTSD, or bipolar disorder, these can complicate getting an approval, but definitely possible, especially if it is under good control. (no lost work, recent hospitalizations or suicide attempts)

Life insurance does cover suicide after an initial 2 year suicide clause, in which it does not cover suicide.

9. Kidney Disease

Kidney disease occurs largely from 3 main causes which include high blood pressure, diabetes and overusing medication.  All 3 of these main causes of kidney disease can be preventable and even properly managed if you get regular check-ups.

10. Alzheimer’s

This one gets all of its poor unfortunate victims in the latter part of their lives and both the cause and adequate treatment is still illusive.  It is the 6th leading cause of death in the U.S. today.

Unfortunately, we do not represent any life insurance carriers that will cover individuals with history of Alzheimer’s.

If you currently have any of the health issues mentioned above, or a history of them, we may be able to help you.  We specialize in impaired risk life insurance cases, so give us a call at 877-996-9383 and we’ll do our best to help!