Barry Bonds now has more home runs than anyone in history. 756!! I tried hitting 50 mph balls in a batting cage one time and hit like one out of twenty or so and it was not home run material. I’m impressed. Some people say he got there with the use of steroids. I won’t take sides on that issue, but let’s talk about how a life insurance underwriter would look at steroid use.

Life insurance underwriting is all about assessing the risk factors that go along with a particular issue. For diabetes, it’s heart disease. For Hepatitis C, it’s liver damage and the side effects of interferon treatment.

Although this view is from a youth standpoint, I think the article I read on the American Academy of Pediatrics website gave a very good overview of the risk factors risk factors of steroid use.

While the effects can be as minimal as increased acne, the use of steroids also carries some heavy duty mortality issues such as “high blood pressure, unhealthy cholesterol changes, heart disease, blood clots leading to stroke, and liver damage, jaundice, or liver cancer.”

I think that would be reason enough for a life insurance underwriter to take note of steroid use, whether in a young person or an adult.

Bottom line. I like the Tiger Wood’s example. Work out every day, eat right and practice. Get married and have a baby too. It gives you another reason not to do unhealthy things.

This post is somewhat dated. Life insurance underwriting is changing and evolving continually. For more updated information check out some of the key word links. If you have a specific question or topic you need information for do a search. If you don’t find the answers you need contact me and we’ll make sure you get the information that is important to you.