Like most factors, your life insurance rate depends on what the allergy is and how severe the reaction can be. Many insurance companies don’t even ask questions about allergies, except in the case of common respiratory diseases like asthma. But even if the question isn’t asked directly, you still must reveal any treatments for allergic reactions you’ve had, such as the use of an epi-pen (epinephrine) or emergency room care. Omitting this information puts your family at risk. How? Because if an underwriter finds out that you lied about having a certain allergy and you end up dying from an allergic reaction, that life insurance company can deny your family the death benefit. And although admitting that you have certain allergies can affect the rate you pay for life insurance, it probably won’t be that significant (if at all)…since allergies are so common. For example, if eating peanut butter causes you to break out in a rash, you most likely won’t see a rate increase. However, if just being near a jar of peanut butter causes you to have convulsions and seek emergency treatment immediately; you may have to pay more for your life insurance. So don’t hesitate to apply for permanent or term life insurance if you have allergies. Your rate probably won’t be affected too much…if at all. And even if you have to pay a slightly higher premium, having some life insurance is better than having no coverage at all. For a what is the best life insurance policy to get, visit lifeinsurancefactcheck.com today. Currently, term life rates are near record lows!