What Is Lifetime Loading With Health Insurance? 
You may have purchased a health insurance policy that was rated up due to a pre-existing condition . This is not uncommon for a carrier to add an extra premium to cover the additional risk . Tobacco loads and additional charges for obesity . Such premium loads are deemed `` lifetime '' but are subject to review if you stop using tobacco or lose weight . Permanent loads for conditions such as arthritis truly are permanent since there is currently no cure for arthritis . 