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Does Heartburn Affect Life Insurance Rates?

by Scott G on March 24, 2013 · 8 comments

Does heartburn affect life insurance quotes?

Heartburn’s Affect On Life Insurance Rates


What Is Hearburn?

Heartburn- is a common feeling or “burning” in the chest.  However, heartburn is not caused by the heart, rather it comes from the esophagus when acid backs up from the stomach.  Heartburn is a very common condition in America.  While the exact cause of heartburn is not known, there are known factors that make the reflux worse including: diet, eating habits, lifestyle, medications and other medical conditions.

Common Medications for Heartburn

Some of the most popular treatment options for the relief of heartburn include: Pepcid AC, Prevacid, Prilosec, Zantac and Nexium.

Does Heartburn Affect Life Insurance Rates?

The severity of your heartburn will determine how it will affect your rate.  If you heartburn is mild and you’re taking an over the counter (OTC) medication then it should have no impact on your rate.  If your heartburn is mild to moderate and you’re on a prescription medication, the insurance company may put you into the second best rating class, preferred.  However, it will be dependent on the company and other factors.  A preferred plus or best rate class may still be obtainable for some people.  If the acid reflux is more severe and you need ongoing treatment including the possibly of future surgery than you will likely qualify for the standard or average rating class.

Sample Rates With Heartburn

40-year old female, non-smoker, best health class- $500k 10 year term, taking an over the counter heartburn medication would be $18 month.

As you can see heartburn typically won’t be a big problem in obtaining a great life insurance rate.  It is important to shop multiple companies if you have heartburn to make sure you are receiving the lowest rate.

Shop the best rates with heartburn, click here 


*Rates as of 3/24/2013. The information in this post is for informational purposes only and is not a guarantee of rates and insurability.  Rates and eligibly are subject to the underwriting guidelines of the insurance companies and state in which you live.

Photo: EvinDC

Brian Greenberg March 26, 2013 at 2:35 pm

Good answer Brian :)
I agree. As long at the heartburn is mild and is being controlled successfully with medication, it should not have an effect on the life insurance rate class.

check this out October 21, 2013 at 12:33 am

I think no need to maintained medicine just change life style.

Brian October 21, 2013 at 10:01 am

I think you are absolutely right. Many of the health issues people have today can be solved by just changing diet and lifestyle rather than getting a prescription for a pharmaceutical medication.

Jason October 28, 2013 at 11:52 am

Make sure you get the ok from your doctor before you take yourself off the prescription medication. Life insurance carriers want to know you are being compliant with your doctors recommendations.

Brian October 28, 2013 at 12:01 pm

Excellent point Jason.

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