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How your health looks to life insurance companies

If you’re worried about how a life insurance company may view your health, there is an easy tool you can use to understand how your health may compare to your peers.

Two beautiful friends stand side by side as tourists in Italy, eating ice cream

How healthy are you?

It’s a deceptively straightforward question. But how do you answer?

You might reference your height, your weight, or your body mass index (which uses those two figures, Goldilocks-style, to determine whether you’re underweight, obese, or just right). You might think on how fast you can run a mile (assuming you can), or how many push-ups you can do, or some other test of strength you half-remember from middle school gym class. (Just stop before you attempt any rope climbing.) You might think on your diet, and whether it includes more leafy greens or “food” that comes from a bag, with a brand name that rhymes with Schmeeto-Flay.

But if we were to ask you, on a scale of 0 to 100, how would you answer?

Well, our friends at  LifeScore Labs and MassMutual have spent years perfecting the methodology behind answering that question and they created a tool, called my MyLifeScore360, that evaluates people’s health on a scale from 0 to 100.

This is no social media health quiz. LifeScore Labs studied 908,414 applicants from 1999 through 2014, totaling more than 9,159,469 “person-years.” The end result uses 48 data points to determine your LifeScore360 score.

What will they want to know? We’re so glad you asked.

A little about you

Some health screening tools are hard. This one (at least this part) is easy. How tall are you? What do you weigh? When were you born? What is your gender? The basics.

These questions help LifeScore Labs establish your peer group, a compare-and-contrast exercise that helps them establish that final score. If you’re older, it’s not fair to compare your body-mass index to that of a 22-year-old, especially when you’re obviously much wiser and funnier and more distinguished, factors that don’t show up in BMI, but really they should.

Your family health history

In particular, the tool will ask about your family’s history with cancer and cardiovascular disease, two of the leading indicators as to whether you will have cancer or cardiovascular disease.

If you don’t know the answers, it’s worth finding them out—not just for this tool, but so your doctors will be able to provide you with the right type of preventative care. After all, LifeScore Labs’ study has shown that these two factors have a high correlation with an increased mortality rate.

A little about your health

What is your total cholesterol reading? What is your blood pressure? Again, these are questions you might not have answers at the ready. (Though helpfully, MyLifeScore360 only asks you to list whether your cholesterol is normal, borderline or high, and whether your blood pressure is low, normal or high. The tool also allows users to enter their actual measurements if they have them.)

You’ll also need to explain whether you have a heart condition, or if you smoke. From there, well, all you have to do is sit back and watch the little meter go from left to right as the site calculates your overall health score. (Feel free to brag about it on Twitter, by the way.)

To find out your MyLifeScore 360, simply head here. No push-ups required, we promise.

It’s not just easier life insurance, it’s an easier life.

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Louis Wilson is a freelance writer whose work has appeared in a wide array of publications, both online and in print. He often writes about travel, sports, popular culture, men’s fashion and grooming, and more. He lives in Austin, Texas, where he has developed an unbridled passion for breakfast tacos, with his wife and two children. This article is sponsored by Haven Life Insurance Agency. Opinions are his own.

Haven Life Insurance Agency offers this as educational only, and the information provided is not written or intended as specific legal advice. Haven Life Insurance Agency does not provide legal advice. Individuals are encouraged to seek advice from their own legal counsel.

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About Louis Wilson

Louis Wilson is a freelance writer whose work has appeared in a wide array of publications, both online and in print. He often writes about travel, sports, popular culture, men’s fashion and grooming, and more. He lives in Austin, Texas, where he has developed an unbridled passion for breakfast tacos, with his wife and two children.

Read more by Louis Wilson

Our editorial policy

Haven Life is a customer-centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.

Our editorial policy

Haven Life is a customer centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.

Our content is created for educational purposes only. Haven Life does not endorse the companies, products, services or strategies discussed here, but we hope they can make your life a little less hard if they are a fit for your situation.

Haven Life is not authorized to give tax, legal or investment advice. This material is not intended to provide, and should not be relied on for tax, legal, or investment advice. Individuals are encouraged to seed advice from their own tax or legal counsel.

Our disclosures

Haven Term is a Term Life Insurance Policy (DTC and ICC17DTC in certain states, including NC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Haven Term Simplified is a Simplified Issue Term Life Insurance Policy (ICC19PCM-SI 0819 in certain states, including NC) issued by the C.M. Life Insurance Company, Enfield, CT 06082. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in California is OK71922 and in Arkansas 100139527.

MassMutual is rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of Aril 1, 2020 and is subject to change. MassMutual has received different ratings from other rating agencies.

Haven Life Plus (Plus) is the marketing name for the Plus rider, which is included as part of the Haven Term policy and offers access to additional services and benefits at no cost or at a discount. The rider is not available in every state and is subject to change at any time. Neither Haven Life nor MassMutual are responsible for the provision of the benefits and services made accessible under the Plus Rider, which are provided by third party vendors (partners). For more information about Haven Life Plus, please visit: https://havenlife.com/plus.html

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