Slight anemia and life insurance

[Anonymous]

I recently had a physical at my primary care doctor and found that I am "slightly anemic" (HGB 10.6).

My doctor said that it's likely my diet, they don't see any bleeding issue. For a while I was definitely eating less meat (and probably poorly) so I'm wondering if just my diet could have caused the issue.

I've started on iron supplements and I've changed my diet. I've been told to come back in for more blood work in 6 months.

In the meantime, my husband and I had started the process to get life insurance in place, but I'm now afraid how this will impact my policy.

Anyone have thoughts on this or been through this?

Thanks!

[Anonymous]

My bloodwork always comes back with moderate anemia because I genetically have very small red blood cells. We haven't done the life insurance sign-up yet, but I didn't have any issues when they did the health work-up for our AD&D policy.

[Anonymous]

I'm not an expert, but I would be surprised if slight anemia would have any impact at all on your ability to get insurance, or your rates. Most insurers know that anemia is really common for women, because we menstruate and lose blood.

Anemia can also be an issue for distance runners, and those people tend to be very healthy otherwise, and very insurable.

I probably wouldn't worry about it. (Frankly, also, I think the ACA's rules about pre-existing conditions would mean that stuff like this is a non-issue.)

[Anonymous]

The ACA rules have nothing to do with life insurance rules.

It probably has some impact, but I would be surprised if it was a large impact.

I first got life insurance after my first child was born and the rate came in higher than their initial estimate. One of the factors causing it to be more expensive was having had a c-section (higher risk for potential future surgeries).