The Most Common Pre-Existing Conditions and Their Cure

January 16, 2019
A person in a pink shirt and robe looking ill with a hand on their forehead

​

Pre-existing conditions are terrible. They raise your insurance premium and might even render you uninsurable altogether. Fortunately, many of them are related to lifestyle and can be treated beforehand so you can remain insurable. Here are some preexisting conditions and how they can be mitigated.


​Hypertension

Hypertension means that your blood pressure is over 140/100. It is a very bad state of affairs because high blood pressure is closely related to a lot of other diseases including stroke and heart attacks. As a result, someone with high blood pressure is generally viewed as hard to insure.

 

Fortunately, hypertension can be managed and eventually mitigated. Proper diet and exercise can lower blood pressure. The risk factors for hypertension are there, and one of the worse is being overweight. So, try losing some weight and watch the hypertension melt away.


Obesity

Obesity is one of the worst lifestyle diseases. The sheer number of diseases that come with being overweight is terrible. So, this is one of the worst issues that come with the lifestyle we have today.

 

What makes Obesity tragic is that it is entirely avoidable. As much as people insist they are helpless against the onslaught of too many calories and sedentary lifestyle we must fight against the hopelessness.

 

Moderating food intake and trying as much as possible to increase exercise is probably the simplest way to get going towards ending the plague of obesity. Getting your friends to join in on the fun is a great way of relieving your obesity with friends.


Alcoholism and Other Substance Abuse Issues

Unfortunately, a lot of people are alcoholic and possibly having other substance abuse issues. These create problems with insuring a person. After all alcohol and other substance issues lead to a wide range of other problems. It means that someone with these issues is going to have a hard time to get insurance.

 

The good news is that Alcoholism and Drug use can be dealt with. There are many programs out there to help a person who is suffering from these problems. Since alcoholism is quite understood already there is plenty of technology out there that can help.


Smoking

Smoking is another bane of insurance. A smoker is at risk of a lot of diseases and makes it very unattractive to insurers. The simplest way to help yourself from this is to put down the cigarettes.

 

If you want to get insurance, you should probably rethink your desire to smoke. At Brad Spurgeon Insurance Agency Inc., we aim to make our client's life easier with policies that are tailored to their needs. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE.


September 15, 2026
If you own a home in Texas City, you already know windstorm insurance isn't optional, and you've probably felt the sting of the premium on your renewal notice. Years of active hurricane seasons along the Gulf have pushed rates higher across the board, but that doesn't mean you're stuck accepting whatever number your ca
A damaged, peeling wall with dark mold growth
September 9, 2026
Mold has a way of showing up in Texas City homes when you least expect it, and Gulf Coast humidity doesn't make it any easier to avoid. Between hurricane-season moisture, everyday humidity, and the occasional leaky pipe or roof, it's one of the more common issues local homeowners run into, and also one of the more misu
September 9, 2026
Owning a home along the Texas Gulf Coast means living with a level of risk most inland homeowners never think twice about. Between hurricane season, hail storms rolling in off the Gulf, and the ever-present threat of flooding after a heavy rain, a homeowners policy here has to work harder than it does almost anywhere e
September 9, 2026
Most Texas City homeowners assume that if their house takes on water, their homeowners policy has them covered. It doesn't, and finding that out mid-claim is one of the most expensive surprises a Gulf Coast homeowner can face. Flood damage is excluded from every standard homeowners and commercial property policy in the
Home, homeowners, and flood policy comparison over a flooded house illustration
September 7, 2026
How Texas coastal homeowners actually get hurricane coverage: TWIA 2026 limits, the declination rule, WPI-8 certificates, named-storm deductibles, and the flood policy that pays for surge. Written by a Gulf Coast agent.
Flooded beach house on stilts with roof damage and insurance claim callouts about a Gulf Coast short-term rental
September 7, 2026
How to insure a Galveston, Crystal Beach, Surfside, or Port Aransas short-term rental: TWIA wind, NFIP flood, Fire & Liability policy, from an experienced local Gulf Coast Insurance agent.
August 25, 2026
Learn why TWIA requires WPI-8 certification, which Texas coastal homes need it, key exceptions, and what to do if your certificate is missing.
A smiling parent sits on a couch and lifts a happy young child
August 19, 2026
Kids explore everything, and that curiosity is part of what makes childhood fun — but it also means everyday spaces in your home can hide risks you might not think twice about as an adult. A few thoughtful changes around the house can prevent the kinds of accidents that send families to the emergency room every year.
A view of two suburban houses
August 17, 2026
It's a question we hear often in Texas City, especially once a tropical system starts showing up in the forecast: can I still get flood insurance now, or is it too late? The honest answer is that it depends on your policy type and timing, and understanding how flood insurance waiting periods work can save you from a co
An American Red Cross emergency kit with supplies like water, a flashlight, goggles, and a poncho for flood survival.
August 10, 2026
Living near the Texas Gulf Coast means flooding isn't a rare or distant threat — it's a real possibility every hurricane season, and sometimes even after a heavy afternoon thunderstorm. Whether you're right along the water or a few miles inland, knowing how to prepare, evacuate, and recover safely can make all the diff
Show More