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The Truth Behind Acid Reflux and Life Insurance

Acid Reflux

Acid Reflux/heartburn is a condition that everyone has experienced once in a while. It comes in the form of a burning sensation that shifts from the stomach, to your chest, and to some extent into your mouth or throat. Occasionally, it comes just after eating something spicy like your preferred meal. Truth be told, it is never a pleasing experience.

Despite Acid Reflux being a usual experience, it has some dire effects, especially on one’s life insurance. This is the case if you experience it regularly. Not everyone understands how usual heartburn can have an impact on their life insurance.

The Difference between Gastroesophageal Reflux disease and Acid Reflux

Around your stomach entrance, there is the LES (Lower Esophageal Sphincter). The LES allows food to settle into the stomach once it gets in. Once your Lower esophageal Sphincter stops working, it becomes a serious issue. The acid in your stomach will move back to the esophagus. As a result, you will experience a burning sensation, acid reflux/heartburn.

If the heartburn symptoms prolong for at least a week, that becomes gastroesophageal reflux disease. Prolonged heartburn not only inflames but also damages different parts of your esophagus, especially the lining.

GERD (Gastroesophageal Reflux Disease) is a serious condition. Once it destroys the esophagus lining, the condition gets worse. Even if you seek treatment and your esophagus gets healed, the injury will still return just after a month. Once you sign up for 
GERD treatment, it ought to continue.

GERD Symptoms

The symptoms include the following:


The bitter and sour acids move to the esophagus then the mouth. Usually, the acid comes from the stomach.


It is a painful and burning sensation that starts from the stomach up to the chest then to your throat.

Other symptoms

They include black or bloody stools, sore throat, hoarseness, dry cough, wheezing, abnormal weight loss, nausea, hiccups, burping, bloating and bloody vomit.

Causes of Gastroesophageal Reflux Disease

GERD is as a result of several complicated factors such as Hiatal Hernia or lower esophageal sphincter abnormalities.

Lower Esophageal Sphincter Abnormalities - LES has a function of stopping the acid from getting back to the esophagus from your stomach. Any LES abnormalities will cause GERD. The abnormalities include, weak LES contractions will minimize the capability of curbing the movement of acids up into your esophagus. Secondly, Abnormal relaxations make it easier for acids to get into your esophagus and cause GERD.

Hiatal Hernia - Hiatal hernia is a serious stomach abnormality. It is one of the serious causes of GERD. It makes your stomach move above your diaphragm. As a result, it becomes hard to contain acid in your stomach. The acid will move up into your esophagus.

Other causes

The other causes of GERD are Overweight, eating food just before bedtime, pregnancy, smoking, drinking alcohol, tea, coffee, carbonated drinks, taking aspirin, ibuprofen, hypertension medications, muscle relaxers, eating chocolate, fatty foods, spicy foods, onions, garlic, mint, tomatoes, and citrus.

GERD Treatment

The treatment of GERD is entirely on lifestyle, how you live and what you eat. If you are serious about beating GERD, you have to sacrifice a lot of things. For instance, you have to quit smoking, change your food, take some daytime naps on your chair, lose some weight, eat early enough before bedtime and seek advice from your medication.

The doctor will recommend medications that are to help you treat GERD. Some of the medications you will be subjected to include Malox or Alka-Seltzer. If the antacids do not seem to work, you can resolve to Prokinetics, Proton pump inhibitors, H2 blockers, and Foaming agents.

Effect of GERD on your Life Insurance

Most people do not understand how GERD affects their life insurance. Normally insurance companies will put into consideration the various health factors before giving you a life insurance policy. GERD/Acid reflux is among the health conditions that will be considered.

At first acid reflux will not be a threat. Once it becomes GERD, problems set in. You get exposed to some serious conditions such as the damaged esophagus, ulceration, and adenocarcinoma. Your insurance company will want to determine the severity of your GERD. The insurance firms want to know the medication you use. This will help the insurance company calculate the number of premiums payable by you. Honestly speaking, GERD will raise the premiums you are supposed to pay. This should not discourage you from getting a life insurance agent. Let your insurance agent find you the best life insurance policy.


GERD is a serious health dysfunction that should be treated as soon as possible. It not only affects your health but also your life insurance. Seek the best treatment and right insurance policy to help you curb it.

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